• The Medical Record Amendment Exemption is an exception found in most forms of physician liability insurance that excludes coverage of medical record amended claims. The following scenario shows how this exception would be applied. The anesthesiologist applies the wrong type of anesthetic to the patient, given the nature and duration of the operation being performed. As a result of the mistake, the patient wakes up before the completion of the operation and ends up suing the anesthesiologist. But before getting the lawsuit, the anesthetist changed the patient’s medical record to indicate that he was using the correct type of anesthetic. This exclusion would exclude coverage of a patient’s lawsuit, given the dishonest conduct of an anesthetist who intentionally altered a patient’s medical record in an attempt to absolve himself of liability. The rationale for this exception is that, in the vast majority of cases, when doctors change medical records, they do so in an attempt to remove or eliminate evidence of their medical negligence in treating a patient. Accordingly, insurers do not intend to cover willfully dishonest behavior of this kind.