Articles Posted in Researching Experts

Liability insurance expert witnesses may testify on personal liability insurance, business liability insurance, and related topics. In Small Business Liability Insurance – The 4 Types That You Need To Protect Your Business, everythingsmallbiz.com writes:

Business Owner’s Policies, also known as BOPs, are policies that are many types of liability put together into one policy. The contents of one of these policies can be custom made by the agent as to what a business owner needs.

For example, other types of small business liability include Storekeepers Liability Insurance, Uninsured Motorists Coverage (because you never know what might happen!) Landlords and Tenants Liability Insurance Policy, Employers Liability and Compensation, Commercial General Liability Insurance, Physicians, Surgeons and Dentists Professional Liability, and Manufacturers and contractors Liability.

Auto insurance claims expert witnesses may testify on damages, insurance companies, and insurance adjusters. In The Accident Scene Be careful with what you say, AutoInsuranceClaimAdvice.com writes:

If you leave the scene and then the police get called, you can be cited for leaving the scene of the accident. In addition, if you are at the scene of the accident and you try to negotiate repairs without the police, there will be no guarantees of anything. The other party can deny things later, and they can blame you for everything.

I have seen claims where the police was not involved, and the parties will be later in disagreement as of how many people were passengers in each vehicle. You might think you hit one person, but suddenly you have five people claiming injuries against you!

Professional liability insurance expert witnesses may write reports on professional indemnity insurance, negligence claims, and more. In Small Business Liability Insurance – The 4 Types That You Need To Protect Your Business, everythingsmallbiz.com writes:

Professional liability insurance is for professionals who need coverage from malpractice, negligence, errors and omissions. Attorneys, insurance agents, physicians, architects, information technologists, and artists are all professionals that require, to some degree, professional liability insurance. Affordable liability insurance can be acquired from many resources. Price quotes can be obtained from agents, online insurance providers, and various insurance companies.

Read more: everythingsmallbiz.com.

In Construction Trench Collapse Cases Require Knowledge and Experience with OSHA, construction site expert witness William Gulya, Jr., President & CEO, Middlesex Trenching Company, writes:

Trench collapse cases are frequently very intense, as the result is often death or serious injury. Experts must be experienced and proficient in various shoring components, construction installation methods and means, soil classifications, impact of weather conditions, testing, OSHA regulations regarding workplace safety, and OSHA investigative report conclusions. Trench collapse cases often require the expert give oral testimony in lengthy depositions and review countless other documents, and evidence. The expert must also be explicitly familiar with OSHA citations that may have been issued in the case. OSHA uses classifications of citations such as “willful and serious,” and the expert must be well versed in the implications these classifications have on the case. After a thorough review of all the documentation, depositions and other evidence, the expert must provide an initial expert report and likely supplemental or rebuttal reports, which include testing results, graphs, charts, detailed analysis, and conclusive supported professional opinion. The report must be clear, concise, detailed and accurate, and presented professionally.

Employment practices liability insurance expert witnesses may testify on discrimination claims, wrongful termination claims, and more. In Small Business Liability Insurance – The 4 Types That You Need To Protect Your Business, everythingsmallbiz.com writes:

Employment practices liability insurance protects from discrimination, sexual harassment, wrongful termination, hiring, retention, and promotion, and a laundry list of other claims that could potentially harm your business. This is not an umbrella policy, but one that covers many claims that have been filed in recent years against employers that the insurance agency thought could be helpful to business owners. This policy can protect against claims made from past workers and events that occurred in the past, as well as current workers and events.

Read more: everythingsmallbiz.com.

Liability insurance expert witnesses may testify on personal liability insurance, automobile liability policies, and more. In Liability Insurance or Personal Umbrella Liability Policy, InsuranceLocal.com explains:

Often called an umbrella because it is carried over all other liability insurance and is used for a catastrophic loss when primary liability insurance is exhausted. This policy adds $1,000,000 ($2,000,000 to $10,000,000 available) extra coverage to your personal liability and automobile liability policies. Coverage is provided for you, your spouse and any relatives living in your household and insured by your primary policies.

This policy is designed to cover catastrophic situations where a legal award could exceed the limits of you primary liability insurance. This policy also included coverage if you are sued for false imprisonment, wrongful eviction, libel, slander, defamation of character or invasion of privacy.

Insurance claims expert witnesses may write reports and testify on auto insurance claims, insurance companies, insurance adjusters, and more. In The Accident Scene Be careful with what you say, AutoInsuranceClaimAdvice.com writes:

What to do in case of an accident? Or what to do it do at the accident scene?

These are questions often asked, and there is no accepted correct answer.

Health insurance expert witnesses may write reports on long term care insurance, medical insurance and related topics. In State Senate committee passes insurance rate regulation bill, PasadenaStarNews.com writes:

The State Senate’s Health Committee approved Assembly a bill by a 5-3 vote Wednesday that would clamp down on health insurance rate hikes. AB 52 would require California health plans and insurers to seek approval from regulators before raising health care premiums, co-payments or deductibles.

Read more: pasadenastarnews.com.

In Construction Trench Collapse Cases Require Knowledge and Experience with OSHA, construction site expert witness William Gulya, Jr., President & CEO, Middlesex Trenching Company, writes:

Trench collapses (a.k.a. cave-ins) are one of the most feared construction accidents in the underground utility and site-work construction industry. The very thought of being buried alive and crushed by the soil is horrifying and often results in death or serious injury. Other potentially fatal dangers may exist when workers enter trench excavations such as asphyxiation in a confined space and inhalation of toxic fumes. Electrocution or explosions can occur when workers come into contact with underground electric cables natural gas mains or service lines. OSHA requires that all workers in trenches and excavations are protected, and that safety and health programs address the wide range of dangers that may be encountered during excavations. Excavation cave-ins are a major cause of fatalities within the construction industry. The fatality rate for excavation work is 112% higher than the rate for general construction. (OSHA)

Auto insurance claims expert witnesses may write reports and testify on issues involving insurance claims, insurance adjusters, insurance agencies, and more. In Tips and Strategies to Deal with Insurance Companies an attorney contributing to auto-insurance-claim-advice.com writes:

Consumers are often surprised when the insurance company:

* Gives them a low total loss evaluation * Fixes their car with USED parts * Cuts their rental car early * Gives them a low bodily injury settlement * Devaluates their pain and suffering * Denies coverage on questionable investigations * Attributes fault to the wrong driver As an ex-claim adjuster, now an attorney, I learned how the insurance claim process works and how you can protect your rights and get compensation for your damages. Insurance companies train adjusters to be hard negotiators in just about every aspect of a claim (whether you know it or not).