Insurance Expert Witness | Blue Ocean Global Tech

Insurance Expert Witness

Insurance Expert Witness: Role, Types of Cases, and Expertise

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Blue Ocean Global Technology’s CEO and Co-Founder Sameer Somal qualifies as an expert witness in cases that require substantive and rigorous expertise in internet-related matters.

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Blue Ocean Global Technology Offers the
Following Expert Witness Services:

01

Testifying Expert Witness

02

Non-testifying Expert Witness

03

Expert Advisor

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Expert Consultant

Why Choose Us

We have the expertise to provide optimal results tailored to suit individuals and businesses alike.

Achievements

Sameer Somal the CEO of Blue Ocean Global Technology

sameer-somal-commercial-litigation-expert-witness
  • Sameer Somal, the CEO of Blue Ocean Global Technology and co-founder of Girl Power Talk is a frequent speaker at conferences on digital transformation, diversity & inclusion, online reputation management, and relationship capital
  • Somal is a published writer and internet defamation subject matter expert witness
  • He is an active member of the Society of International Business Fellows (SIBF)
  • He is a recipient of the CFA Institute 2022 Inspirational Leader Award
  • He assists clients and helps them transform their digital presence
  • He is a member of the Legal Marketing Association (LMA) Education Advisory Council
  • He serves on the board of the CFA Institute Seminar for Global Investors and Future Business Leaders of America (FBLA)
  • Somal leads collaboration with exclusive groups of PR, law, and management consulting agency partners
  • He authors Continuing Legal Education (CLE) programs, in collaboration with the Philadelphia Bar Foundation

Expert Witness Services at Blue Ocean Global Technology

In 2015, we received multiple inquiries from law firms in search of expert witnesses for their cases. We promptly set our team in motion, and as a result, these firms now attribute our well-documented client expertise as a key factor in their decision to engage our services

Subsequently, numerous other law firms have also sought our expertise as expert witnesses, seeking assistance with online defamation cases for both themselves and their clients

Facing Issues on Your Insurance-Related Claim?

Our qualified insurance experts have the expertise in investigating fraud,  assessing damages, and proving bad faith in court.

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Introduction

An insurance expert witness plays a vital role in resolving disputes involving policies, coverage, fraud, and claims. At Blue Ocean Global Technology, our expert witness insurance professionals provide clear, credible, and court-admissible reports and testimony in complex insurance-related cases. Whether you’re facing a bad faith claim, policy interpretation issue, or damages assessment, our team is here to support legal professionals and insurance companies with data-backed insight and real-world expertise.

Below, we will talk about what type of cases insurance expert witnesses work with, what they will testify about, and where to find a skilled expert to work with on your case.

What is an Insurance Expert Witness?

An insurance expert witness is someone with long-term experience and in-depth knowledge of insurance customs and regulations. An insurance expert witness has an important role to play in insurance cases and helps the legal process with insurance expertise in cases concerning risk management, business administration, and finance. They provide expert opinion and draft reports on industry standards and practices, claims handling, underwriting practices, regulatory compliance, actuarial analysis, opinions on causation, and financial analysis. Insurance experts are keen to clarify technical and complex issues and help the court make conscious and fair decisions.

What Types of Cases Involve an Insurance Expert Witness?

Insurance expert witnesses aid and testify in numerous cases. The cases vary from insurance policy interpretation to insurance claims in regard to insurance coverages, bad faith claims, subrogation and liability, risk management, determination of damages, personal injury, and insurance fraud investigations.

Learn how an insurance claims expert witness can contribute to each of these cases:

Insurance Policy Interpretation

An insurance claims expert witness analyzes and interprets the terms, conditions, and language of policies. By doing so, they can determine coverage, exclusions, and obligations of the insurance.

Insurance Coverage Disputes

In these cases, experts are employed to assess the terms and conditions of insurance policies and opine if a certain claim is covered.

Bad Faith Claims

Insurance claims expert witnesses investigate the insurer’s conduct to evaluate if there was bad faith. These include cases where the insurer delayed or wrongfully denied a claim.

Liability and Subrogation

These experts have a role in determining liabilities in insurance claims and assessing subrogation for insurance companies.

Risk Management

An insurance claims expert witness can work as a risk management advisor, recommending and giving guidance on risk management strategies.

Damages Assessment

An insurance expert witness along with a damage expert witness assesses damages, such as property damage, liability, and any other losses, to help reach a fair settlement.

Insurance Fraud Investigation

Insurance claims expert witness expertise allows them to identify any fraudulent claims and misrepresentations.

insurance-expert-witness-explaining-insurance-policy

What are the Speciality Areas of an Insurance Expert Witness?

Insurance is a broad field, and insurance expert witness have knowledge and can testify in multiple areas. Specialty areas include industry standards and practices, claims handling, underwriting practices, regulatory compliance, actuarial analysis, opinions on causation, and financial analysis.

Here is how insurance claims expert witnesses can provide knowledge in each area:

Industry Standards and Practices

Insurance expert witness understand insurance industry standards and practices. They can analyze it and opine if the insurance company’s actions correspond to the accepted industry standards and practices.

Claims Handling

They can establish the justification for the denial or approval of claims. Experts also evaluate the process to be used in claims investigation and if the documentation meets industry standards and requirements.

Underwriting Practices

Underwriting is when an insurance company takes on risk in return for a fee. Insurance expert witness can explain how this works and help evaluate the choices the company makes during the process.

Regulatory Compliance

Insurance expert witness understand federal and state laws and regulations imposed on insurance companies and can ensure they comply with them. They can assess if the company has complied with laws and regulations.

Actuarial Analysis

Actuarial analysis is a method that companies use to ensure they have the funds to pay required liabilities. Insurance experts conduct actuarial analysis to assess risk and uncertainty so they can determine the amount of money to be paid by an insurance policy.

Expert Opinions on Causation

By analyzing the events of an incident, insurance expert witness provide opinions on the causal relationship between the events and an insurance claim.

Financial Analysis

Insurance claim experts have the knowledge to analyze the financial side of an insurance company. Consequently, they can opine on the financial impacts of a particular practice and decision and suggest better practices.

What are the Fields of Expertise of an Insurance Expert Witness?

Insurance experts should have knowledge in life, health, auto, homeowners, and commercial insurance, besides reinsurance and workers’ compensation. These fields of expertise are detailed below:

Life Insurance

Life insurance is insurance that serves as a financial safeguard to families. When a person with life insurance dies, the insurance provider will pay a sum to the policy-nominated beneficiaries. This amount supports the beneficiaries in replacing lost income and other expenses.

A life insurance expert witness can provide opinions and testimony on topics including due diligence, beneficiaries, and life insurance underwriting.

Health Insurance

In this type of insurance, someone pays a monthly premium so the company pays all or a part of the person’s healthcare costs.

A health insurance expert witness has experience in this field and can form opinions and provide reports and testimony.

Auto Insurance

In car insurance, a person pays a premium to an insurance company that will either cover all or a portion of the costs involved in a future accident. The insurance helps car owners in the case where the car becomes involved in a car accident, stolen, or damaged in a natural disaster.

Auto insurance expert witnesses can be crucial when going through a coverage conflict. They advise on topics such as underinsured motorists, no-fault insurance, and auto insurance cancellation issues.

Homeowners Insurance

It typically insures against loss or damage to the interior and exterior and loss or damage to personal property and injuries suffered on the premises. Fire loss, windstorms, and lightning loss are typically insured.

Insurance experts can analyze what is covered and evaluate the amount required by the company as a deductible.

Commercial Insurance

Commercial insurance offers protection to firms from loss due to unexpected situations. The situations can be accidents, natural disaster conditions, and litigation.

Aside from providing opinions and testifying, insurance expert witnesses can assess a firm’s insurance needs through the analysis of potential risks.

Reinsurance

Reinsurance is when more than one insurance company shares risks by purchasing policies from other insurers. They do that so their loss is limited in case of a disaster.

Insurance claims experts may provide their knowledge on topics including quota share reinsurance, reinsurers, reinsurance coverage, and proportional reinsurance.

Workers’ Compensation

Worker’s compensation seeks to provide benefits to workers who get injured or sick in an accident while working. It usually covers medical costs, income for lost wages, and disability pay.

An insurance expert may provide opinions and testimony concerning compensation claims, compensation benefits, and injured workers.

How to Find an Insurance Expert Witness?

To find a good insurance expert witness for your case, there are some elements you should take into consideration.

When looking for an expert, consider the following areas discussed below: qualifications and experience, communication skills, testimony history, and availability.

Qualifications and Experience

Insurance expert witnesses typically hold a bachelor’s degree in insurance, risk management, business administration, or finance. Designations like Associate in Risk Management (ARM), Chartered Life Underwriter (CLU), and Chartered Property Casualty Underwriter (CPCU) are relevant qualifications.

Employing an experienced expert is also an advantage. They will know what should be on the report and what to expect in court.

Communication Skills

An expert’s communication skills should be one of their biggest strengths. Look for an insurance expert witness who communicates clearly and explains theories in a way that an average person understands.

This will make it more likely for courts to rely on the report and to convince the judge and the jury.

Testimony History

Research if the expert you are thinking about employing has provided testimony in court before. Review prior testimony and look for experts who have a successful testimony history experience, particularly in cases similar to yours.

Availability

Communicate with the expert about your timeline and expected deadlines. Guarantee the insurance expert is available to work on your case respecting your timeline.

Why Choose Us for Expert Advice?

Blue Ocean Global Technology recognizes that the most effective experts are those qualified by experience in the industry and support their opinions with facts. That is why our team is composed of qualified experts, highly experienced, and with all the skills required to collaborate toward the success of your case. Their expertise includes investigating fraud, interpreting policies, assessing damages, and proving bad faith. Whether it is providing opinions, testifying in court, or consulting our insurance experts, we can help enhance your case.

Strengthen Your Legal Strategy With Our Team of Expert Witnesses

Our team of experts can provide opinions and testimony, giving more credibility to your case. Contact us today!

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FAQs

insurance expert

  • These experts usually have a degree in insurance, risk management, business administration, or finance. Additional certifications and designations in the field are also typically held by experts.

  • It will depend on the particularities of every case. Usually, the costs of these experts vary between $225 to $450 per hour.

  • To get the most from an insurance expert witness, they must be properly prepared. Present all the documentation and evidence to the expert so they understand the case clearly. It is equally crucial to communicate and collaborate with the expert along the way to keep the case in progress. Check through the finished report together to confirm nothing has been overlooked. Finally, ensure the expert is ready and familiar with cross-examination in court.

  • Policy documents, medical records, and claim files are some of the evidence gathered by these experts to provide opinions and testimony.

  • They gather evidence by reviewing relevant documents, conducting interviews, and analyzing all data and information.

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Reputations are everything.
Let us help you control the online narrative.

A positive reputation is a valuable asset. You deserve to be in control of what the internet says about you or your brand. We specialize in building, monitoring, and protecting digital reputations. Schedule time with our team to audit your existing digital presence and find ways to elevate and enhance your online impression.

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Reputations are everything.
Let us help you control the online narrative.

A positive reputation is a valuable asset. You deserve to be in control of what the internet says about you or your brand. We specialize in building, monitoring, and protecting digital reputations. Schedule time with our team to audit your existing digital presence and find ways to elevate and enhance your online impression.

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Reputations are everything.
Let us help you control the online narrative.

A positive reputation is a valuable asset. You deserve to be in control of what the internet says about you or your brand. We specialize in building, monitoring, and protecting digital reputations. Schedule time with our team to audit your existing digital presence and find ways to elevate and enhance your online impression.

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[showchatbox]

Brittney Bagiardi

Business Development & Marketing Manager at Butler Weihmuller Katz Craig LLP February 4, 2020

The Legal Marketing Association's Tampa City Group was honored to have Sameer come to speak with us regarding Online Reputation Management. Sameer is an energetic presenter who took the time to answer each and every one of our questions. His expertise was evident in his polished presentation, and our members were engaged thoroughly. All communications leading up to the event were timely and friendly, and I have enjoyed my time working with Sameer on this speaking engagement.

Tamie Maffeo

Marketing Manager at NEIRG Wealth Management. & Business Succession Advisers, LLC

Working with Sameer and the team at Blue Ocean Global Technology has been such a positive experience! The ongoing communication combined with the efficiency of work of the team is very much appreicated. Sameer is quick to respond to any questions we may have. He and his team is quick to to resolve any questions that arise. They go above and beyond for us no matter what day or time we reach out. I have had many dissapointing engagements over the years with similar firms but must say that this is a refreshing experience. I am in a niche business with complicated regulations surronding our marketing platform. Having the peace of mind that the team at Blue Ocean is there to impliment and guide our firm gives me great satisfation. That being said, I give them my highest reccomendations and would gladly speak with anyone who has any questions regarding my experience.

Jay Chong

EVP, Head of e-Mobility Group at SK Group

I had a chance to work with Sameer for several months, and he has been one of the most transparent and responsible people I have ever worked with. He has been highly responsive, always responding within a day despite the time zone difference, and thoughtful, which was a big relief for me as some I worked with in the past were "Catch Me if You Can". He has delivered all his promises and more. He has been genuine and results oriented. It has been a pleasure working with him, and I highly recommend his service.

Vern Hayden

Client Advocate at Sovereign Financial Group, Inc

Sameer lives outside the cliche’s of life. Let me put it this way:

If you were looking for someone totally committed to helping in a mission, a cause, or company you would want Sameer.

If you were looking for someone who would drop everything to help you, who knows the best and worst about you, someone with empathy and understanding, in short someone you call a “true friend” , you would want Sameer.

If you want someone who has aligned themselves with the great causes of women you will want Sameer. If you want someone who gives a damn about kids that are abused,misplaced,without direction,kicked to the curb, and need help get Sameer.

If you want someone to give a mesmerizing presentation get Sameer. He will stay up all night doing relentless research on the subject and the audience and inspire your audience to action.

If you want someone with a consistent well defined philosophy of life combined with a remarkable code of ethics you want Sameer.

If you want a leader with emotional and academic intelligence combined with magnetic charisma check in with Sameer.

If you want a team player who has been in the trenches as well as the mountain tops Sameer has been there.

If you want someone to help stabilize your business and take it to greater fulfillment Sameer will be there for you.

If you need a George Gilder tech genius as a resource., Sameer knows the best and can bring innovative solutions to your challenges. ( the right wing radio host Rush Limbaugh said if he could choose another brain it would be Gilder’s.)
If you need someone to trust with integrity and accountability you need to meet Sameer. I could go on but I think you know how I feel about this guy now. I have known and been a friend for over two decades.

Najah A. Edmondson

Marketing professional at National Center For College & Career Transitions (NC3T), The TASA Group and ASK For Tutoring

Sameer Somal is a personality you cannot forget! I met Sameer one year exhibiting at the Delaware Valley Legal Expo in King of Prussia, PA. It was the end of the night and he came over to introduce himself to me and my colleague. We engaged in an amazing conversation about The TASA Group and about relationship management. He helped us take our belongings to the car at the end of the night. We all left with a new connection and a lifelong friend. So excited with meeting Sameer, we immediately figured out how we could work together - webinars, articles and in-person presentations to some of the organizations we are partnered with. It's been a few years since we met and Sameer continues to thrive in his field and in his expertise. The light he exudes is both infectious and comforting. I would recommend Sameer for any job!

Walt Wiesenhutter

Certified Small Business Mentor at SCORE Mentors Philadelphia. Taught at Harvard University Executive MBA & at Columbia Executive MBA & Northwestern Executive MBA

My name is Walter J. Wiesenhutter and I am loyal client of Sameer Somal’s and Blue Ocean Global Technology. I founded Jay Associates in 1984 and served as president of our consulting company for several decades. Regretfully, our offices were in the World Trade Center in 9/11 and we lost key team members as a result of those tragic events. We persevered for the next few years to replace the seemingly unreplaceable. I met Sameer, one of the co-founders of Blue Ocean Global Technology in 2005. I was immediately impressed with his genuine character and commitment to serving others. The emergence of the internet and digital technology changed our business so much and our meeting couldn’t have been more serendipitous. I was quite fortunate to learn of this company’s world-class resources. Over the years, they were instrumental in improving our stellar reputation and building a digital presence that reflected the trust we had with our clients offline. As business partners, clients, and friends complained about their Google presence, disappointing web development projects, and digital marketing companies over promising and under delivering, I referred them directly to Sameer and his team at Blue Ocean Global Technology. Their needs and requirements were always handled with care; the feedback is always exceptional because they deliver results based on exactly what the companies want to help them grow. When Blue Ocean Global Tech did not feel they could provide the best service or guidance on a particular situation, Sameer and his colleagues are honest with me or anyone from my network. They then took the time to find resources and partners within their trusted network that were a better fit. Today, at 75, I am delighted to share and document my successful experiences with this team of excellent professionals. If you are looking for a global team that is diligent, honest, and transparent, you have found the right company in Blue Ocean Global Technology. Not only do I give them my highest and best recommendation, I feel fortunate to call many of their global team members my friends!