Preparing for the deposition of the usual defense causation expert.
It’s bad enough when a liability carrier rolls out an expert to deny the obvious. To me, it is even worse when it’s your own client’s carrier. You know, the customer who actually paid the premiums for the coverage.
These are experts who ignore the medical records. Opinions that are flatly contradicted by the facts. Assumptions that appear to be invented. Opinions that are so patently absurd that the adjuster and defense counsel have to know a jury won't buy it.
So why would a carrier do this, especially against its own customer? Because the goal isn't the truth. It's delay.
Delay costs them very little, particularly in uninsured motorist cases. Denial carries minimal risk. The consequences are negligible.
So the cost-benefit analysis is simple: deny the obvious, force the fight, and hope the insured gives up or settles for less. Even if that means steamrolling their own customer.
Insurance companies love slogans about being a “good neighbor.” But this isn’t what a good neighbor does, unless the neighborhood is full of sociopaths.
What are your thoughts? Join the conversation with me on LinkedIn.
