WARNING: THIS WEBSITE CONTAINS PROTECTED POLITICAL SPEECH.  TMLT IS A CREATION OF TEXAS POLITICS AND ITS CONTINUED EXISTENCE IS AT THE WHIM OF TEXAS POLITICIANS.  IF YOU CANNOT ACCEPT THIS SITE AS POLITICAL SPEECH THEN READ NO FURTHER.  THIS SITE ADVOCATES FOR AMENDMENT TO OR THE REPEAL OF TEX.INS.CODE ART. 21.49-4
AND, HERE'S A FUNNY THING.  JUST IN CASE YOU WANTED TO KNOW WHETHER THERE IS ANY COMMERCIAL USE OR INTENT OF PROFIT FROM THIS SITE, NO NEED TO WORRY.  THERE IS NOTHING HERE YOU CAN BUY.  THERE IS NOTHING HERE FOR SALE.  THERE ARE NO COMMERCIAL LINKS OR ADVERTISEMENTS ON THIS SITE SO NO NEED TO EVEN LOOK FOR THEM.  WE ARE NOT IN THE INSURANCE BUSINESS SO IF YOU WANT TO BUY INSURANCE GO SOMEWHERE ELSE.  IF YOU WANT TO SEND MONEY, DON'T.  WE WONT TAKE IT.  IF YOU WANT TO PURCHASE THIS DOMAIN NAME IT ISN'T FOR SALE.  IF YOU FIND COMMENT, CRITICISM, RIDICULE, PARODY OR GENERAL DISPARAGEMENT HERE, THEN GOOD FOR YOU.  IF YOU FIND A BURNING DESIRE WITHIN YOURSELF TO STOP INSURANCE ABUSE IN TEXAS AFTER REVIEWING THE EVIDENCE HERE, THEN THAT IS WHAT WE ARE HERE FOR. 
What is Texas Medical Liability Trust?
How was it created?
Is it an insurance company or not?
I've heard rumors about Witness Tampering.  Are they true?  Is TMLT allowed to do that?
If I am a TMLT insured, will they come after me if I speak the truth?  Will they hurt my career?
Is TMLT allowed to lobby the legislature to take our legal rights away?
What can I do to Help?

The purpose of this website is to expose the truth about insurance abuse in Texas and about Texas Medical Liability Trust, in particular.  We also advocate here for the political, statutory, and regulatory changes necessary to stop these kinds of abuses.  We simply provide the information and you decide the answers to these questions - and perhaps more.  We feel this information is something that everybody has a right to know: patients and their families, ethical physicians looking for legitimate liability protection, healthcare consumers, government regulators, and members of the Texas legislature. 

Before we go any further, you might want to know what the problem is.  In a nutshell it is this.  Many believe the evidence found in these pages shows that Texas Medical Liability Trust has not only gone well beyond the limited boundaries that the Texas legislature established for it, but that TMLT as a major provider of insurance to Texas physicians has been gaming the medical liability justice system by controlling the testimony that injured patients are required to have before they can come into court.  It is alleged that TMLT does this by coercing TMLT insured physicians who have treated injured patients or who have agreed to be an expert witness consultant for an injured patient into withholding their opinions, changing their opinions, or simply refusing to cooperate with the injured patient.  It has been alleged that TMLT does this by contacting these physicians without the consent of the patient or the court and threatening the physicians with loss of their insurance coverage or renewing at extremely high rates.  As the cost of medical liability insurance can be high and difficult to obtain, there are some who think this is an effective tactic.  For TMLT, if the patient cannot provide medical experts willing to speak the truth about negligent healthcare then the case must be thrown out by the court and TMLT gets to keep lots and lots of money that should have been paid out for legitimate provable claims.

There are some who think this violates the Texas Penal Code prohibition against Witness Tampering and/or Commercial Bribery.  There are some who claim that TMLT does this as a matter of usual and customary business practice and gets away with it because TMLT can hide behind the attorney-client privilege and dare any judge to hold them accountable.  There are some who think it just stinks and is unfair. 

When you review the evidence, you can decide for yourself. 

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