Litigation Support/Expert Witness

As always, Pinnacle's work and assistance was excellent.

— Joseph Pope
AIK COMP in Rehabilitation

Services

Litigation Support/Expert Witness

As property/casualty insurance and financial litigation continues to grow in complexity, it is essential that you have independent, credible and expert actuaries who can explain actuarial matters clearly and effectively.

From routine business support to complex litigation, you need independent actuaries you can trust and understand. Coupled with a solid reputation for credibility, we have extensive experience handling new license applications, complex litigation, class actions, arbitration, administrative hearings and other contractual disputes.

As well, we are seasoned actuarial litigation experts who can support your efforts to make your case as strong as possible through expert testimony where needed. To help you build a better case, we will successfully sort through challenging issues and finer details to identify key arguments, create resolution scenarios and assess financial damage.

Our actuarial litigation support team has extensive experience supporting insurer in-house legal staff for law firms and their clients, as well as presenting testimony before legislative bodies, administrative rate hearings, special panels and federal, state and county courts. We can serve in all US jurisdictions, and our clients include insurers, banks, self-insured companies, captives and state insurance departments.

Pinnacle’s experience assisting law firms includes coverages such as:

  • Asbestos and Environmental
  • Collateral Protection
  • Commercial Auto
  • Commercial Multiple Peril
  • Commercial Property
  • Credit
  • General and Products Liability
  • Homeowners
  • Medical Professional Liability
  • Non-Medical Professional Liability (e.g., Lawyers, Accountants, Architects)
  • Personal Auto
  • Title Insurance
  • Workers Compensation

Publications and Media

Pinnacle Commitment Beyond Numbers Brochure
Empathetic Customer Service, Superior Communication, Expertise, Better Business Decisions

Pinnacle Captive and Alternative Markets Brochure
Pinnacle has a dedicated staff of consultants and actuarial analysts focused on serving the alternative markets.

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Case Studies

Administrative Rate Hearings
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Administrative Rate Hearings

Pinnacle has developed an excellent working knowledge of state rate regulatory requirements and in challenging states such as California, Florida and Texas.

In California, Pinnacle has provided expert witness testimony in support of insurer rate requests on numerous occasions, covering issues such as the treatment of reinsurance costs in catastrophe ratemaking, auto classification plans and appropriate trends for auto insurance.

In Florida, Pinnacle consultants have assisted insurers with homeowner rate filings before the Office of Insurance Regulation addressing such issues as territorial ratemaking, catastrophe loads and appropriate trend selections.

In Texas, Pinnacle provided expert witness testimony to the Insurance Commissioner as part of the 2003 rate regulatory reforms. Since then, Pinnacle has assisted insurers with contested personal lines rate requests.

Baltimore Territory Issues
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Baltimore Territory Issues

In 2006, Pinnacle was retained by a group of several automobile insurance companies representing a significant share of the Maryland automobile insurance market to conduct an independent actuarial analysis of the Abell Foundation report, Actuarial Discrimination: City Residents Pay Up To 198% More For Car Insurance Than County Residents (Abell report). This report discusses many factors which contribute to higher automobile insurance rates in urban areas than rural areas with particular emphasis on Baltimore and attempts to quantify the magnitude of this as noted by the title of his report.

Legislative / Regulatory Impacts
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Legislative / Regulatory Impacts

A state medical society asked Pinnacle to evaluate the impact of a change in the state’s damage caps for non-economic damages for medical professional liability. Pinnacle worked with the medical society to identify the most appropriate claims databases to assess the legislation’s potential impact. Our detailed analysis not only considered data from that state, but several others to stress test the results and provide a range of reasonable outcomes. In addition, we performed a thorough analysis of how the state compared to other states in terms of the availability and affordability of medical professional liability insurance coverage, insurer operating results for the line, and access to healthcare in the states. Through this industry analysis, we identified differences well beyond a simple loss limitation and provide a more complete review of potential environmental changes that could be expected in the state.

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