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oh and welcome to healthcare matters where the medical and legal community has come together to discuss healthcare matters Im your host Mike matray and todays guest is Troy Bundy mr. Bundy is a hiring partner at heart and Wagner in Portland Oregon where he has been defending health care professionals since he joined the firm in 1996 welcome to the show Troy thanks good to be here in your professional experience do higher limits on a physicians medical malpractice insurance increase the dollar value of settlements in cases of an indefensible claim in other words can a physician or entity be over insured and conversely can a case be made that the lower the limit the lower the risk exposure yeah you know Ive dealt with that issue recently and I understand the thought process of wanting to potentially lower exposure by lowering limits but I dont agree with it I think its a dangerous practice to be honest with you and you better make sure that there is no ability to pierce the veil a