Insurance

Expert Witnesses and Consultants

Insurance reduces financial uncertainty and makes accidental loss manageable. But as Covid-19, climate change, and economic, political, and social upheaval create market volatility and turbulence, every type of insurer – health, life, property, casualty, environmental, reinsurers, and others – is facing significant new challenges.

Insurers are responding with innovations in all areas. In property and casualty insurance, typically a low-tech area of the industry, insurers are offering high-tech apps and online claims management in response to consumer demand. Health care insurers are dealing with ever-rising costs and inconsistent patient outcomes by diversifying their patient pools and waiving cost-sharing by members to encourage early medical intervention. And in all areas of insurance, automation, digital applications, artificial intelligence, and advanced analytics engines are further transforming the practice by streamlining the intake of client information and, in some cases, enabling the clients to manage their own underwriting and claims processes.

Unsurprisingly, these innovations are leading to new liabilities and new requirements for expertise. As insurers move quickly toward digital technology, insurance expert witnesses must opine on whether companies have complied with the increasing requirements imposed on them by state privacy, data, and security laws. For example, recent class action lawsuits have alleged that an automobile insurance provider allowed bots to scrape drivers’ license information from the internet; and that a property and casualty insurer unlawfully collected and stored clients’ retina scans, voiceprints, and face scans without their knowledge or consent. And, insurance expert witnesses with digital forensics expertise are increasingly needed to uncover evidence from electronic devices and verify the validity or falsity of insurance claims.

Expertise for Every Eventuality

We have elite experts in every area of the insurance industry including insurance underwriting, claims management, insurance policy coverage, reinsurance, self-insurance, and risk management. Many are specialists in the massive corpus of federal and state laws governing the insurance industry, as well as voluntary industry standards established by insurance trade groups.

Our experts have supported clients in litigation at both the trial and appellate levels arising from property damage and business interruption losses. They have been involved in class actions, market conduct litigation, and other complex commercial litigation. We have identified experts who can opine on breach of contract issues in disputes between health insurers and their medical providers, and on the validity of algorithms used in the automobile casualty area to calculate total vehicle loss. In the counseling area, our insurance experts can counsel on claims handling practices, coverage advice, and fraud investigations in appraisals and arbitrations.

Among other areas of expertise, our experts can testify on the following insurance-related laws and issues:

  • McCarran-Ferguson Act
  • Dodd-Frank Wall Street Reform and Consumer Protection Act
  • Affordable Care Act
  • Non-admitted and Reinsurance Reform Act
  • Terrorism Risk Insurance Act
  • National Association of Insurance Commissioners’ Principle-Based Reserves, Model Security Data Act, and Solvency Modernization Initiative
  • Artificial Intelligence
  • Digital Forensics

CASE STUDY

International insurance expert
for damages suit

Attorneys representing a chemical company in its suit against a multinational insurance company needed an expert in international insurance coverage to make their case.

CASE STUDY

Human resources expert
for ERISA class action

Attorneys representing a class of contract employees against an insurance company needed a human resources expert to prove their case.

CASE STUDY

Medical billing expert
for False Claims Act suit

Attorneys representing the whistleblower in a False Claims Act suit against a large medical service provider needed an expert on medical billing for separately billable drugs to prove their case.

CASE STUDY

Asphalt industry expert
for damages lawsuit

Attorneys defending a marine terminal against a lawsuit brought by a petroleum company needed an asphalt industry expert to make their case.

CASE STUDY

Medicare and Medicaid Services expert
for false claims suit

Attorneys for the US government in a False Claims Act suit needed an expert experienced with Centers for Medicare and Medicaid Services (CMS) to consult on the materiality of billing practices by a home health agency.

CASE STUDY

Electronic steering expert
for consumer class action

Attorneys for consumers in a class action against a car manufacturer needed an expert in electronic power steering systems to prove their case. The defendant was accused of concealing EPS defects in over 1M cars and endangering vehicle owners .

How We Find Your Experts

For Rubin Anders Scientific, precision matters. It’s our mantra. We don’t waste your time sending experts who “kind of” fit the bill. Our experts are deployed into your project with pinpoint accuracy. We take pride in giving you exactly what you need. It’s what your project deserves.

We succeed at locating knowledgeable experts with deep experience in the insurance arena. We have years of experience in placing experts, and our researchers are themselves highly credentialed (often Ph.D. scientists) who can assess your needs and match them to our exacting methodologies to bring you a successful match.

The primary criteria we use to select these individuals include, but are not limited to:

  • Your stated needs
  • Academic background and certifications
  • Industry experience and professional background
  • Location and travel limitations
  • Experience in legal proceedings
  • Qualifications of the opposition witnesses
  • Potential conflicts of interest
  • Fees

Our team of Ph.D. and J.D. researchers has a proven track record of identifying experts who can fill the niche you need. Whether you’re seeking an insurance expert opinion in a class action lawsuit regarding mandatory mortgage title insurance, or the enforceability of a pollution exclusion clause in a fuel spill by an ocean tanker, our team has the technical understanding and extensive network to locate the ideal expert to suit your requirements.