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I have never been sued either and my rates are going up 68% next month. An OB/GYN pal I have keeps their limit to 1/3. I asked why, as I keep 3/5, and he said the more coverage you have, the more they sue for. Generally they say you're safe with 1/5 unless you are blatantly neglegent. We keep increased limits because in my biz when there is a poor outcome, it's usually catastrophic ( my group over-ruled me to lower limits)
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