Expert Witness Blog

Trucking expert witnesses may opine on federal motor carrier safety regulations, interstate motor carrier operations, and federal motor vehicle safety standards, as well as related issues. Here, the Federal Motor Carrier Safety Administration reports that the number of large trucks involved in crashes where at least one person needed immediate medical attention or a vehicle had to be towed away because of “disabling damage” has decreased nationally in the years since 2005. However, the number of those types of crashes has risen in the state of Illinois.

With more than 8,000 serious crashes in the state in 2008, the most recent year for which data is available, highway safety is a concern for Illinois drivers. The Illinois Department of Transportation reports that, in 2008, 94,021 people were injured and 1,043 people died in accidents.

Semi-trucks or tractor-trailer crashes are a particular concern because of the increased potential for serious and catastrophic injuries. In 2008 there were 14,632 crashes involving trucks in Illinois. Fatal truck accidents accounted for 10.5 percent of all fatal crashes in the state, with 115 deaths resulting from trucking accidents.

In Insurexpert’s Blog, insurance expert witness David H. Paige, Esq, writes that court decisions interpret and supplement the legal standards created by statute and by common law.

When determining the value of a court decision as precedent for future liability of insurance agents and brokers, it is important to keep in mind that courts have a specific function in our legal system: to fill in the “gaps” by applying a combination of statutory law, regulations and prior court decisions to the facts before them. When legislatures do not make law on a particular subject, it is the courts’ obligation to draw from prior court decisions and the custom and practice of the community to develop legal standards on its own. The tradition of court-made law, called “common law” was adapted from the British legal system, and works well in the country as well.

Individual court decisions are sometimes “result oriented” and do not identify a trend.

In Four things an attorney should know about retaining an expert witness, construction site expert witness William Gulya, Jr., President & CEO, Middlesex Trenching Company, writes:

The decision to retain an expert witness is an important factor in any litigation. Strategic selection and communication with the expert can have a substantial impact on the case, from settlement options to court room testimony. The opposite is also true — the wrong choice of an expert witness can result in poor or negative results. I have compiled four recommendations for attorneys from an expert witness perspective.

1. Take Action Early Many cases do not require an expert at all. However, once the use of an expert becomes foreseeable through fact evidence or because your adversary has declared he or she is utilizing an expert witness, you should retain and get your expert up to speed on the case as soon as possible.

Rubber expert witnesses may opine on rubber consumer products, tires, and rubber piping. Experts at the Rubber Manufacturers Association released a study in June that shows millions of drivers around the country are failing to properly maintain their tires and are putting themselves at risk while wasting gas and money. The nationwide survey found that fifty-five percent of vehicles had at least one under inflated tire and only one in six vehicles had four properly inflated tires. RMA is the national trade association for tire makers who manufacture in the U.S. The group worked with several tire retailers to collect actual tire pressure measurements from more than 6,300 vehicles in more than 30 cities.

Proper Tire Inflation Saves Gas Properly inflated tires can improve fuel efficiency by 3.3 percent and save nine cents per gallon at the pump, according to the U.S. Department of Energy. Approximately 1.2 billion gallons of fuel are wasted each year by U.S. motorists driving on under inflated tires.

Under Inflated Tires Pose Safety Risk Under inflated tires also pose a safety risk. The National Highway Traffic Safety Administration (NHTSA) estimates that under inflated tires contribute to more than 600 fatalities and 33,000 injuries each year.

In Insurexpert’s Blog, insurance customs expert witness David H. Paige, Esq, writes on whether the insurance broker has a duty to suggest that the insured purchase additional insurance coverage.

A continuing issue that has reappeared for years is the question of whether an insurance broker has an obligation to speak out and suggest to an insured that he should be purchasing more or different insurance. The courts have split on this question in different jurisdictions. As a latest example, a California court found that the defendant insurance agent did not have a duty to volunteer that an insured should procure different or additional coverage. Instead, as is the trend in many jurisdictions, the court stated that a duty to advise on additional insurance only arises under very specific circumstances. In California, the court found an expanded duty to advise arises when only one of three conditions is first met: (1) when the agent misrepresents the nature, extent or scope of the coverage being offered or provided, (2) when there is a request or inquiry by the insured for a particular type or extent of coverage, or (3) when the agent assumes an additional duty by either express agreement or by holding himself out as having expertise in a given field of insurance being sought by the insured.

Read more: thePaigeReport.

Insurance expert witnesses may opine on insurance practices, insurance claims, and insurance coverage. Here, insurance experts from Anderson Kill Wood & Bender write:

Should I Stay or Should I Go?, Experts Offer Advice on Changing Carriers and/or Brokers Every year as renewal day approaches, companies are faced with a difficult decision: do they renew with their incumbent insurance companies, or do they risk changing carriers to take advantage of lower rates, broader policy language or coverage add-ons? But the truth is, insurance carriers and brokers are helping businesses reach that decision every day of the year with their execution, their knowledge and their business practices.

With the soft market in insurance and the underlying economic unsteadiness of many carriers, there might never have been a time when so many companies are willing to question whether it is time to change insurance carriers or brokers. Even decades-long relationships can be tested in times such as these. And what if the incumbent carrier is exiting the market or unwilling to renew for another reason? Policyholders must move cautiously and comprehensively to avoid a lapse or gap in coverage.

Mortgage loans expert witnesses may opine on variable rate mortgages, reverse mortgages, and conventional mortgages, as well as related topics. Here, loan expert Tammye Trevifio, Administrator, Housing and Community Facilities Programs, writes on:

Single Family Housing Guaranteed Loan Program Funding Notice

Many of you may be aware of recent legislation in which Congress provided USDA with authority to resume operating the Single Family Housing Guaranteed Loan Program (SFHGLP) at no cost to taxpayers. This was done through a combination of authority to: increase the upfront fee up to 3.5 percent of the principal obligation; charge a new annual fee of up to 0.5 percent of the outstanding principal balance; and waive payment of any fees for low and very low income borrowers up to a certain amount of loan guarantees.