Wdtabor wrote:

I am a dentist, licensed by the state. But if the state stayed out of
it, I

would still need professional liability insurance. It would be in the insurance
company's best interest to only insure competent dentists, so they would check
my credentials and my record before insuring me. YOu need only check to see if
i have insurance to know if I am qualified, so what purpose does the license
really serve?

Would the fact that you had insurance _really_ say anything about your
competence?
Or would it just say that you had found someone who was willing to
provide you with
_some_ coverage at a price you were willing to pay? Without examining
_your_ policy,
I have no idea whether they consider you a low-risk client (i.e. highly
qualified, keeping
up with the latest developments in your field, etc.), or if they think
you're a claim that
just hasn't been filed yet. I don't know whether you have a fairly
inclusive policy, or
one that's so limited that the only way they'll pay is if the claimant
can prove intentional
premeditated damages planned at least two years in advance.

And how am I to even know that this insurance company is a reputable
company?
Do they have enough reserves to handle potential claims and remain
solvent? Do they
have the expertise to evaluate your performance?

So far, all I've seen from your argument is a claim that I don't need
to be an expert
in dentistry to tell if you're competent. However, I now need to become
an insurance
expert in order to determine whether or not the insurance you _claim_ to
have has
any validity.

Rich Lemert