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If a midwife is covered, she has to follow protocol. This might mean (just my assumptions) :prenatal tests and USs, timing contractions, vaginal exams, time limit after water brakes etc. To ME this is unneccessary interventions that can have negative affects on the birth. I would not want to be subject to these procedures just because she needs to cover her a$$. I believe that a lay midwife , for this reason, is a better birth companion.
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so what happens if a woman gives birth outside a hospital, cause she didn't get there on time- gave birth in the car/taxi/toilet/stairs?
you say that there's no coverege there if something went wrong?
maybe it's a special case, i don't know. but i guess it does happen...

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