Litigation Support/Expert Witness

Pinnacle brought a lot of medical malpractice knowledge to the task, interfaced with us well and produced a solid and highly usable report.

— Alan Seeley
New Mexico Insurance Division

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.

Asbestos Liabilities
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Asbestos Liabilities

In 2009, Pinnacle provided expert testimony about the evolution of insurance industry asbestos liabilities in an arbitration hearing among several insurance companies and a pool manager. This assignment drew on our knowledge of the history of insurance industry asbestos liabilities, e.g., the evolution of the legal aspects surrounding coverage determinations, the interplay of primary, excess and reinsurance contracts, the history of failed attempts to control the problem and the impact of bankruptcies among other factors. The assignment also drew on our mass tort / latent liability reserving expertise.

Workers' Compensation
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Workers' Compensation

Pinnacle was retained by a major national political organization to investigate the impact of several workers compensation reforms including: implementation of mandatory managed care, privatization of state workers compensation insurance funds and the permitting of private insurers to enter previously monopolistic workers compensation states. Our analysis looked at state-level differences in rate levels, insurer experience, coverage competition, the mix of medical and indemnity claims and numerous other metrics. The study was extremely well received and ultimately presented to more than half of the nation’s governors.

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