Policyholder Services

What happens to the claim after a file is created?

Our representative will contact you to review the medical records and discuss any other aspects of your care and treatment of the patient. As needed, we’ll communicate directly with the claimant or the claimant’s attorney to request related medical records, x-rays, or reports from subsequent treating physicians, as well as to obtain information about the injury and damages actually sustained. We’ll do everything necessary to thoroughly and properly evaluate your claim. After we complete our initial investigation, an ophthalmologist on the OMIC Board or Claims Committee will review your medical records to ultimately help defense counsel evaluate whether the care given is supportable, as well as to identify strengths and weaknesses in the case, and if possible, determine whether your treatment meets the acceptable standard of care. This review is done in anticipation of litigation and with your assigned attorney or claims associate.

If the claim is or develops into a lawsuit, your attorney will keep you involved in all aspects of your case, including significant developments and expert selection.  Your attorney will conduct all meaningful discovery, confer with us and with you on defense strategy, and ultimately try the case if it goes to trial.

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Six reasons OMIC is the best choice for ophthalmologists in America.

Largest insurer in the U.S.

OMIC is the largest insurer of ophthalmologists in the United States and we've been the only physician-owned carrier to continuously offer coverage in all states since 1987. Our fully portable policy can be taken with you wherever you practice. Should you move to a new state or territory, you're covered without the cost or headache of applying for new coverage.