A claim is any demand for compensation by a patient or an attorney representing a patient, which arose from the rendering or failure to render professional services. There are three ways you may be notified of a claim. First, a summons and complaint may be filed in either state or federal court. If you receive a summons and complaint, you should immediately contact the Claim Department.* The summons and complaint is normally served in person by a process server or deputy sheriff. It may also be mailed to you or left at your office or home. Both state and federal courts require a formal answer be filed on your behalf within a specified limited time period from the date you are served with the summons and complaint. If an answer is not filed within that amount of time, the attorney representing the plaintiff can file a motion for a default judgment. If the default judgment is granted by the court, you may be automatically found responsible for the damages claimed by the plaintiff without being heard.

You might receive a letter directly from the patient or an attorney representing the patient containing allegations of negligence or wrongdoing, a description of the injury or damage suffered and some type of demand for compensation. The letter may also indicate that a claim for malpractice is being pursued against you and request that you notify your professional liability carrier. You should immediately contact the Claim Department.

If you receive a summons and complaint, it is extremely important that you contact the Claim Department* as soon as possible. You can either call the company to report the suit, contact your agent, or mail or fax the complaint with a cover that includes your name and policy number. If you call, it is important to promptly send the company a written notification. A file will be set up and you will be assigned to a claim representative who will handle the file, assign defense counsel, and meet with you to discuss the suit.

*Coverys member companies Medical Professional Mutual Insurance Company ("ProMutual") and ProSelect Insurance Company ("ProMutual") provide claims solutions in CT, MA, ME, NC, NH, NJ, PA, RI, VA & VT

To report a claim to Coverys call 800.225.6168 and follow the prompts.

Send the claim letter and your cover letter to:
Coverys
Attn: Claim Specialist
Claim Department
P.O. Box 55178
Boston, MA 02205-5178.

If you use an overnight service send your letter to:
Coverys
Attn: Claim Specialist
Claim Department
101 Arch Street
4th Floor
Boston, MA 02110

You can fax the claim letter and your cover letter to 617.428.9805. Your cover letter should include your policy number and basic information about the loss.

The Claim Department's* mission is to vigorously defend claims while containing costs. We do not automatically settle every case; we decide each claim or lawsuit on a case-by-case basis. This helps save costs by discouraging frivolous lawsuits, and also helps us achieve the best possible results for our policyholders. Our claim representative manages the process by investigating your claim, listening to you, arranging for experts, working with your defense counsel and ensuring that every facet of the case is considered.

*Coverys member companies Medical Professional Mutual Insurance Company ("ProMutual") and ProSelect Insurance Company ("ProMutual") provide claims solutions in CT, MA, ME, NC, NH, NJ, PA, RI, VA & VT

Coverys works with some of the most experienced professional liability defense attorneys in the country to provide you with the best defense possible. You can view a list of ProMutual and ProSelect* defense counsel we are currently using.

*Coverys member companies Medical Professional Mutual Insurance Company ("ProMutual") and ProSelect Insurance Company ("ProMutual") provide claims solutions in CT, MA, ME, NC, NH, NJ, PA, RI, VA & VT