Bible-beater pilots

In article , "Ron Natalie"
writes:

"Wdtabor" wrote in message
...

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?

Because, the interests of the insurance company is not necessarily the
interest
of your patient. The insurance company only cares about the probability and
the magnitude of any loss they'd have to pay out. This is not necessarily
mean
competent dental care for your prospective patients. The fact that you are
paying
insurance doesn't tell me if you're any good (mind you neither does the fact
that
you got the certificate on your wall from the Commonwealth).


Exactly.

There are some truly lousy dentists around with valid licenses. You have to do
a lot more to loose your license than to become uninsurable.

What's more, the marketplace does a lot of things short of stopping you from
practicing to encourage good care.

A dentist who gets sued a lot pays very high malpractice insurance, while
someone like me, who has a 30 years without the insurance company having paid
out a dime, gets a substantial discount.

To loose your license, you have to be consistently grossly negligent, commit a
felony, or forget to pay your renewal.

So, what goood does the license do that the private sector has not already done
better?

--
Wm. Donald (Don) Tabor Jr., DDS
PP-ASEL
Chesapeake, VA - CPK, PVG

"Wdtabor" wrote in message ...


To loose your license, you have to be consistently grossly negligent, commit a
felony, or forget to pay your renewal.

So, what goood does the license do that the private sector has not already done
better?

Will they issue you insurance without you showing a license? If not, then the
insurance company is relying (partially) on a government function to weed out
some of the undesirables.

But you still haven't made a case that the insurance industry is providing any
"better" service to anybody other than you.

On Mon, 24 Nov 2003 15:56:07 -0500, Ron Natalie wrote:

But you still haven't made a case that the insurance industry is providing any
"better" service to anybody other than you.

Especially when you consider that you will probably have insurance until
you exceed whatever quota they decide to grant you in mistakes.

I wouldn't want to base my decision on a Dentist/Doctor/whatever based on
if a guy had insurance.

I was hit by an old lady with glasses so thick it was amazing she could
even wear them, come to think of it she wasn't. Another hack at
insurance, she just had 3 previous accidents and still had coverage, I
don't buy the insurance/private industry taking care of things. They
won't until after x amount of events and I don't want to be that event...

Look how well private industry did at the beginning of the industrial
revolution, a remarkable track record of humanity don't you think?

In article , "Ron Natalie"
writes:


So, what goood does the license do that the private sector has not already
done
better?

Will they issue you insurance without you showing a license? If not, then
the
insurance company is relying (partially) on a government function to weed out
some of the undesirables.

I would think educational credentials, like a DDS or DMD degree from a
reputable dental school would be a good starting point. Certainly better than a
license from the state.

But you still haven't made a case that the insurance industry is providing
any
"better" service to anybody other than you.



For a good example of how this could provide better service, look under your
toaster. You will see the UL acceptance number. Underwriters Laboratory is
supported by the product liability insurance business and by self insured
manufacturers and sets generally accepted safety standards with no help from
the government.

Licensing of professionals provides very little in the way of safety, the real
purpose of licensing is collusion with government for restraint of trade.


--
Wm. Donald (Don) Tabor Jr., DDS
PP-ASEL
Chesapeake, VA - CPK, PVG

For a good example of how this could provide better service, look under your
toaster. You will see the UL acceptance number. Underwriters Laboratory is
supported by the product liability insurance business and by self insured
manufacturers and sets generally accepted safety standards with no help from
the government.


But every toaster (in a line) is the same. Not every patient is. Leaving it
to the insurance companies or some other soulless entities may induce doctors
and dentists to simply not take difficult cases, or cases where the outcome is
less than certain. But those are the cases where you most need medical
expertise. I suspect that a lot of the "wellness" stuff going on has to do
with the fact that the doctor can make just as much money seeing well patients
as sick ones, and there is less chance of copmlications and (thus)
"consequences".

There are unintended consequences to each method (licensing, insuance,
marketplace) of regulation. It is simplistic to think that any one is "the
answer"

Jose



--
(for Email, make the obvious changes in my address)

There are some truly lousy dentists around with valid licenses. You have
to do
a lot more to loose your license than to become uninsurable.

What do you think this guy's rates will be?

http://www.montereyherald.com/mld/ch...ws/7296916.htm