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This case arises out of a medical malpractice lawsuit alleged to have been prompted by the negligence of a radiologist. Courtney Webster had a CT scan performed at CDI Indiana LLC‘s diagnostic imaging facility. The radiologist, an independent contractor hired by Medical Scanning Consultants, missed identifying and diagnosing the cancer, which then remained untreated for over a year before being diagnosed.

Webster and her husband, Brian Webster, sued CDI, which in turn insisted that the Websters could not hold it liable because CDI did not directly employ the radiologist who was at fault for not recognizing the cancer.

The district court rejected that argument and applied the law of apparent agency, which instructs that a medical provider is liable if a patient reasonably relied on its apparent authority over the wrongdoer.
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The United States Court of Appeals for the Seventh Circuit of Chicago held that a prior acts exclusion under an insurance policy issued by a professional liability insurer to a medical-practice insurer excluded coverage. The exclusion was ruled legal only if the medical-malpractice insurer committed an actual wrongful act, not just if it was accused of committing such an act.

MedPro, the insured medical malpractice carrier in this case, was represented by Clyde & Co., LLP of Washington, D.C. The professional liability insurer was American International Specialty Lines Insurance Co. (AISLIC).

MedPro issued medical-malpractice coverage to Dr. Benny Phillips, subject to a $200,000 liability limit.
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Faith DeGrand was just 10 when she was diagnosed with congenital scoliosis. To try to prevent the condition from worsening, Faith underwent surgery by a pediatric orthopedist, Dr. Eric Jones. In this surgery, Dr. Jones inserted hardware in Faith’s thoracic spine.

After this surgery, Faith experienced incontinence, numbness in her hands and fingers, and weakness in both legs. Dr. Jones examined Faith, but found nothing wrong. Another doctor took over Faith’s care after Dr. Jones went on vacation.

Faith’s condition worsened. Dr. Jones then performed another surgery to loosen the hardware he had placed in Faith’s thoracic spine during the first surgery. Despite this effort, Faith’s symptoms worsened. Dr. Jones then went on another vacation. The other doctor, taking over Faith’s medical care, ordered an MRI. Faith underwent yet another surgery, this time to remove the hardware, which had led to decreased blood flow to and indirect compression of her cervical spine.
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Ms. Doe, 47 years old, suffered from multiple sclerosis and used a walker. After visiting an urgent care clinic, she became tired and tried to sit down on her walker. The walker flipped over and Ms. Doe hit her head on the pavement. A physician’s assistant at the clinic palpated the injury and stitched Ms. Doe’s wound before discharging her with verbal instructions.

Ms. Doe fell into a coma approximately five hours later. She was taken by ambulance to a hospital where testing revealed a skull fracture and intracranial hemorrhage with midline shift. Despite undergoing neurosurgery, Ms. Doe now suffers from severe cognitive issues and requires 24-hour-per-day care.

Ms. Doe sued the urgent care clinic, alleging that it chose not to transfer her to a hospital emergency room after the fall in light of her neurological symptoms, including one-sided weakness. The lawsuit also alleged that the urgent care clinic should have sent Ms. Doe home with written, not verbal instructions.
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In the wrongful death case for Lee Lindemann, filed on behalf of the Estate of Sue Ann Lindemann, the U.S. District Court ruled that estoppel blocked National Fire & Marine Insurance Co. from invoking a “declining balance” provision in its insurance policy. The insurance company asked for a reduction from its $1 million liability limit to $600,000 by subtracting the $400,000 National paid for the defense expenses during two years of litigation.

National’s policy covered Dr. Erick Falconer in this wrongful death case and another defendant, Western Healthcare. In May 2013, the answer that Falconer’s attorney submitted to “Interrogatory 9” said he was insured under a National policy that had a $1 million liability limit.

But when responding to her request for a copy of the insurance policy, Dr. Falconer’s attorneys reportedly took the shortcut of referring back to this interrogatory answer. This maneuver meant that the litigants didn’t see the policy provision that ordinarily would have reduced the liability limit by the amount of defense expenditures.
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Jodi Hall sued Dr. Roberto P. Cippola for medical malpractice, claiming that he had violated the applicable standard of care by not referring Jason Hall, Jodi’s husband, to a hospital emergency room. Jason had gone to St. Joseph’s PromptCare complaining of chest pain.

The receptionist at the urgent care center asked Jason to describe his symptoms. Her notes said: “Left upper chest pain, was moving a lot of metal today, ‘cramping in neck and arms sometimes.'”

The applicable standard of care called for sending a patient to the emergency room if his chest pain was “suspected to be of cardiac origin.”
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A chest X-ray of Marilyn Day, 76, revealed a suspicious lung mass several weeks after she had been admitted to Firelands Regional Medical Center. She was suffering from leg weakness, confusion and disorientation when she was admitted. A repeat X-ray showed the mass had shrunk.

An MRI of the brain revealed multiple ring-enhancing lesions with restricted diffusion, consistent with a brain abscess or metastatic cancer. Neurologist Dr. Jean Barylski Danner examined Day and reviewed the MRI. She told Day’s family that she was likely suffering from metastatic brain cancer.

Testing for lung cancer was negative. After an infectious disease consultation, and a week after Day’s consultation with Dr. Barylski Danner, she was administered antibiotics to treat a brain abscess. A neurosurgeon performed an aspiration procedure.
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Melanie Smith, 40, was taken to a hospital suffering from a severe headache, slurred speech, dizziness, right-sided weakness, and vomiting. These were all apparent signs of a stroke.

Two hours after she arrived at the hospital, an emergency physician, Dr. Antonio Baca, examined her, prescribed migraine medication and ordered a CT scan. The scan was negative for hemorrhagic stroke.

However, Smith’s symptoms continued over the next few hours. Dr. Baca ordered an MRI and consulted with a neurologist. The MRI showed that Smith had suffered an ischemic stroke. She was then transferred to another hospital where she underwent a craniotomy. A craniotomy is the serious surgical procedure in which the skull is perforated. A bone flap is temporarily removed from the skull to allow access to the brain by the neurosurgeons. A craniotomy is usually completed so that neurosurgeons can remove a brain tumor or an abnormal brain tissue.
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Ms. Doe, age 47, suffered from multiple sclerosis and used a walker. After she visited an urgent care clinic, she became tired and tried to sit down on her walker. The walker flipped over and Ms. Doe hit her head on the pavement.

A physician’s assistant at the clinic treated the injury and stitched Ms. Doe’s wound before discharging her with only verbal instructions.

Ms. Doe lapsed into a coma approximately five hours later. She was taken by ambulance to a nearby hospital where testing revealed a skull fracture and intracranial hemorrhage with midline shift.
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Lisa-Maria Carter, 45, was seen as an outpatient at Tampa General Hospital to remove an ovarian cyst. The staff physician, Dr. Larry Glazerman, performed a Hassan laparoscopic procedure aided by two resident physicians.

During the surgery, Dr. Glazerman transected Carter’s bowel. She was admitted to the patient floor several hours after the surgery. She experienced severe pain and abnormally low blood pressure. In addition, her incision opened, discharging a large amount of bloody fluid.

Carter’s condition continued to worsen until she was diagnosed as suffering from acute respiratory failure, hypotension, organ failure and sepsis.
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