Claims Expertise

MICA knows how stressful a medical professional liability claim can be. It’s your reputation on the line, and we will vigorously protect it. Our team of experienced claim professionals provides our policyholders with courteous and reliable guidance at every step of the process.

Our claim department is available by telephone to take reports of occurrences, claims and lawsuits. MICA policyholders may also report a claim or occurrence via MICA’s website. After a report has been taken, a dedicated claim representative will be assigned to the case. Where appropriate, an attorney who specializes in medical malpractice defense will be retained to represent the interests of the MICA insured. Defense costs are paid outside the policy limits.

The MICA policy contains a “Consent to Settle” provision without a hammer clause. That means, MICA will not settle a bodily injury claim without the policyholder’s written consent to settle.

MICA pays an insured’s reasonable travel and lodging expenses when necessary to assist in the defense of a claim. Because attendance of the insured at trial is often critical to obtaining a favorable result, if a claim proceeds to a trial or arbitration, MICA also reimburses up to $1,500 per day for an insured’s attendance at the proceeding.

Almost all litigation cases have a certain level of stress, emotional upheaval, and anxiety. To help meet the challenges associated with a medical malpractice lawsuit, litigation stress coaching services are available at no cost to MICA insureds who are experiencing a medical malpractice lawsuit.