More David Williams from his Cavalcade of Risk post (see prior discussion):

Physicians commenting on my post admit directing patients to the ER in order to reduce their own risk of being sued. It’s rational for patients to second-guess their docs in such circumstances. Would you hire a lawyer or accountant who always provided the most conservative advice with the most expensive consequences?

No, it’s not unreasonable to question physicians in these cases – most physicians will simply reply something to this effect: “You cannot appropriately diagnose over the phone; responsible medicine dictates being seen and examined by a physician.”

There are physicians who are happy (or naive enough) to accept that malpractice risk. It is up to the patient to find one if they want to be treated over the phone.