CLAIMS DEPARTMENT OVERVIEW

It is the policy of MLMIC to settle meritorious claims as equitably and expeditiously as possible and to resist and aggressively defend cases without merit.

MLMIC maintains a professional claims staff strategically located throughout New York State, with offices in New York City, Long Island, Latham, and Syracuse, enabling our staff to maintain direct personal contact with our policyholders. The company is committed to conducting an early and comprehensive medical and legal analysis of claims and lawsuits in order to control defense and settlement costs. All claims and suits are reviewed by a physician member of MLMIC’s Claims Review Committee and, unless the insured has waived the consent to settle provision of the policy, MLMIC will not settle any claim or lawsuit without the written consent of the insured.

Similarly, all claims against MLMIC-insured dentists are reviewed by dentists who are members of NYSDA’s Underwriting/Claims Committee. No claim against an insured dentist will be settled without the consent of a majority of the members of the District Claims Committee of the insured’s component of NYSDA.

MLMIC has retained more than 100 experienced legal defense firms to represent its policyholders. The company has developed strict guidelines for defense counsel, stressing prompt evaluation and individual contact with policyholders. Our defense firms have a solid record of successfully defending New York physicians, healthcare facilities, and hospitals.