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Just because your state’s statute of limitations has expired doesn’t mean your exposure is over. The statute determines when a patient can file a malpractice claim — but exceptions can extend that window for months or even years. Here’s why tail coverage still matters: ✅ The discovery rule delays the clock until the injury is found. ✅ Minors often have extended protection until they reach adulthood. ✅ Late-filed claims can still arrive after you’ve left your job or changed carriers. Tail coverag

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