Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 5, 2021

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Key takeaways...

  • American Physicians Car Insurance was founded in 1976
  • They are headquartered in Austin, Texas
  • American Physicians Insurance Company provides insurance for medical professionals

The American Physicians Car Insurance Review is a review of the American Physicians Insurance Company. The American Physicians Insurance Company was founded in 1976 and is headquartered in Austin, Texas. They offer auto, professional liability, and homeowners insurance plans.

American Physicians Insurance is a subsidiary of Liberty Mutual. As the name suggests, this insurance is exclusively marketed to physicians and their families. They promise competitive rates, caring customer service, and plenty of discounts for more savings.

Our free online tool lets you see many side-by-side car insurance quotes. To see a comparison of the leading car insurance providers where you live today, enter your zip code in the box above!

Who is American Physician Insurance?

The American Physicians Insurance Company provides physicians and other types of medical professionals with medical liability insurance in four states through the Liberty Mutual network:

  • Arkansas
  • Texas
  • Oklahoma
  • Colorado

API is recommended for physicians, residents, medical students, and even retired physicians. So you can be covered at every stage of the process in becoming a doctor. They work with medical schools to tailor programs for students and residents that make sense on a budget. American Physicians Insurance often works with program administrators to reach their target market. They also offer group plans including:

  • Group long term disability
  • Group life accidental death and dismemberment
  • Travel medical insurance

There are many elements to the type of medical professional liability that The American Physicians Insurance Company offers.

These elements include:

  • Covering legal fees and costs
  • Accidental death and dismemberment
  • Prior acts coverage and tail coverage
  • Part-time, new to practice discount, and physician extenders

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Physician extenders provide insurance coverage to medical professionals that are not physicians.

These professionals include the following:

Tail coverage is a special type of medical coverage that covers any claims that are made after the policy has expired but happened while the insurance policy was still current.

Prior acts coverage is the opposite of tail coverage in that it covers claims that occurred before the insurance policy originally began.

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Why Should You Choose American Physicians Insurance?

American Physicians Insurance works with the American Medical Association to offer doctors in all stages of their education specialized discounts and plans. Because it’s such a specialized program, it’s best for interested doctors to talk to an independent agent. They can compare programs like American Physicians Insurance and California Casualty (programs for doctors) with other policies that may offer competitive prices and insurance services.

If you’re looking for a specialty insurer, you may also want to talk to a professionals group that helps professionals scout out key services. Whether you’re looking for auto insurance or risk management services and professional liability coverage, you don’t want to find out you chose the wrong insurer when you’re filing a claim.

Because of its foundation with Liberty Mutual, American Physicians Insurance enjoys great financial stability and a strong base. This makes it a great option for both individual doctors or a medical practice looking to take care of its students or residents at an affordable price.

To find and compare car insurance rates, enter your zip code below and start comparing for FREE!

References:

  1. https://www.progressivecommercial.com/business-insurance/general-liability-insurance/
  2. https://www2.chubb.com/us-en/business-insurance/medical-liability.aspx
  3. https://www.manta.com/c/mm25wdb/american-physicians-insurance-company
  4. https://www.aapa.org/what-is-a-pa/
  5. https://nurse.org/resources/nurse-anesthetist/
  6. https://www.irmi.com/term/insurance-definitions/tail-coverage