La Jolla, California. Every year, nearly three-quarters of the population have headaches. Of all visits to physicians and emergency rooms, a little over 1% are for headache. Sufferers from severe headaches sometimes fear they must have a brain tumor or hemorrhage. However, benign headaches can be just as intensely painful as those resulting from a malignant disease.
Tort Reform and Its Impact on Medical Malpractice Insurance. The medical malpractice insurance industry is definitely in crisis, with many insurers refusing to cover hospitals and physicians. This scarcity along with skyrocketing costs are thought to be the result of numerous professional liability claims and lawsuits.
Third party insurance, also known as liability insurance, provides coverage for two separate areas: personal injury and property damage. Third party insurance protects you against another personâs bodily injury or property damage claims. A liability insurance policy involves three parties.As the policyholder, you are the first party and your insurance carrier is the second party. The third party is the person who files a claim against you. As part of your coverage, your insurance carrier has a duty to defend you against any claims or lawsuits.s the policyholder, you are the first party and your insurance carrier is the second party. The third party is the person who files a claim against you. As part of your coverage, your insurance carrier has a duty to defend you against any claims or lawsuits.