Michigan Medical Malpractice Insurance

The Summary of Michigan's Medical Malpractice Insurance Market

State of MichiganIn the state of Michigan, the top six medical malpractice insurance carriers account for approximately 75 percent of the total premium generated for medical liability insurance. The loss ratios of these six medical malpractice insurance carriers show a decreasing trend.

Malpractice claims frequency continues to drop in Michigan, as the total number of reported yearly medical malpractice claims declines as well. The counties with the highest average medical malpractice claim settlement are as follows — Calhoun, Ingham, Kalamazoo, Macomb, Oakland, Washtenaw and Wayne. An overall sample of the average liability premium discounts from Michigan medical malpractice insurance companies show an increase while premiums have decreased.

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Medical Malpractice Insurance Damage Caps for Michigan Physicians

In 1994, the state of Michigan put damage caps in place for medical malpractice awards. The medical liability damage cap was set at $280,000 for what is called non-financial losses, punitive damages or damages for pain and suffering. As Michigan's cap was set, it was also to be adjusted annually to reflect the average rate of inflation. Brain damage, infertility, and paralysis are exceptions to this cap. These exceptions were set at a limit of $500,000 and were to be adjusted by the annual rate of inflation as well.

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Michigan Physicians Save on Medical Malpractice Insurance

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  • Coverage for All Types of Procedures —
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We Provide Medical Malpractice Insurance to These Counties

Alcona

Alger

Allegan

Alpena

Antrim

Arenac

Baraga

Barry

Bay

Benzie

Berrien

Branch

Calhoun

Cass

Charlevoix

Cheboygan

Chippewa

Clare

Clinton

Crawford

Delta

Dickinson

Eaton

Emmet

Genesee

Gladwin

Gogebic

Grand Traverse

Gratiot

Hillsdale

Houghton

Huron

Ingham

Ionia

Iosco

Iron

Isabella

Jackson

Kalamazoo

Kalkaska

Kent

Keweenaw

Lake

Lapeer

Leelanau

Lenawee

Livingston

Luce

Mackinac

Macomb

Manistee

Marquette

Mason

Mecosta

Menominee

Midland

Missaukee

Monroe

Montcalm

Montmorency

Muskegon

Newaygo

Oakland

Oceana

Ogemaw

Ontonagon

Osceola

Oscoda

Otsego

Ottawa

Presque Isle

Roscommon

Saginaw

Sanilac

Schoolcraft

Shiawassee

St. Clair

St. Joseph

Tuscola

Van Buren

Washtenaw

Wayne

Wexford