98,000 people die each year because of medical mistakes. Consumer Watchdog fights for the right of those patients--and the thousands of others injured by medical errors--to take negligent doctors and hospitals to court.
Doctors, hospitals and their insurance companies spend millions of dollars lobbying Congress and state legislatures to stop us from holding them accountable. They claim that lawsuits by injured patients drive up the cost of medical malpractice insurance. We know that greedy insurance companies, not injured patients seeking justice, are to blame for rising costs.
A battle is brewing in Washington, D.C. between those who want to take away patients’ legal rights and call it health reform, and the real people injured by medical errors. These resources explain why tough insurance regulation, not limiting patients' rights, is the real way to hold down medical malpractice insurance costs.
We've launched a dedicated site that houses video interviews with a number of medical malpractice victims. Their heart-breaking stories are a constant reminder of the need for reform.
Medical Malpractice Story Library
This is a collection of detailed stories of real Californians who suffered the damage of medical negligence and the injustice of malpractice caps.
Reports & Resources
How Insurance Reform Lowered Doctor's Medical Malpractice Rates In California: And How Malpractice Caps Failed
In this groundbreaking report, Consumer Watchdog shows the success of insurance regulation and dispels the myth that malpractice caps worked in California--the model for so many proposals around the country.
Rate Savings Chart
This is a chart detailing the $62 billion Californians have saved on their insurance rates between 2003 and 2010 tanks to the insurance reform enacted by Proposition 103 in 1988. $66 million of the total amount saved went to doctors in California because we blocked unjustified malpractice insurance rate increases.
Medical Malpractice Premiums Graph
This graph (pictured to right) compares insurance premiums after the California caps law, "MICRA," and after the passage of insurance reform Proposition 103.
False Accounting: How Medical Malpractice Insurance Companies Inflate Losses to Justify Sudden Surges in Rates and Tort Reform
A Consumer Watchdog study found that medical malpractice insurance companies consistently inflated the amount they estimated they would pay out in claims. The companies used the overstated figures to justify enormous increases in doctors' premiums and pressure legislators to enact restrictions on patients’ legal rights. Read the press release about the report.
Five Dangerous Myths about California's Medical Malpractice Restrictions
Fact sheet exposing five dangerous myths used to justify California's legal restrictions on injured patients (MICRA).
Medical malpractice insurance companies have made an art form out of deflecting responsibility for doctors' high insurance rates. The insurers claim that if patients' legal rights are limited--typically with a cap on noneconomic damages in malpractice lawsuits--then doctors' premiums will drop. But these smoking guns pull back the curtain. When malpractice insurers have to explain their rates to state insurance regulators, they admit that damage caps do little, if anything, to lower medical malpractice insurance rates. We got our hands on a few of those admissions.
Letter from Marsh USA to South Carolina State Legislature
The company running South Carolina's largest medical malpractice insurer testified to the state legislature in 2005 that "our data is just not adequate" to guarantee that a cap on non-economic damages would lower doctors' malpractice premiums.
GE Medical Protective Filing with Texas Department of Insurance
The company formally filed this data in 2004 with the Texas Department of Insurance after the state enacted severe limits on non-economic damages for medical malpractice claims (Texas Proposition 12). The company explains why it needs to raise rates for physicians despite the caps, because capping damages created virtually no savings for the company.
SCPIE Executive's Testimony in California Court
California's medical malpractice cap has been on the books for thirty-eight years. A Vice President and Actuary of SCPIE, James Robertson, testified in court in 2003 that California's malpractice cap law, known as MICRA, does not reduce the risk of malpractice insurance in California. Pay special attention to page 4.
Consumer Watchdog has provided testimony before state lawmakers in Texas, Florida, Oklahoma, Connecticut, Washington and Oregon as well as Congress regarding the success of insurance reform in California and the failure of malpractice caps to lower doctors’ insurance premiums.
Assessing the Need to Enact Medical Liability Reform
February 27, 2003 -- Consumer Watchdog Founder Harvey Rosenfield presents testimony before the House Energy and Commerce Committee Subcommittee on Health on the success of California Insurance reform, Proposition 103, in restraining medical malpractice insurance premiums and the failure of the state's severe malpractice liability caps to reduce rates.
HR 4600 Will Harm Patients & Enrich Only Insurers
July 17, 2002 -- Testimony of Consumer Watchdog President Jamie Court before U.S. Congress.
Regulating Damages vs. Regulating Insurance Rates: The California Experience
April 22, 2004 -- Testimony of Consumer Watchdog Executive Director Douglas Heller before the Oklahoma state legislature.
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