Results For Articles or Consultants

Deceptive Trade Practices

Looking Behind the Curtain

I have not figured out why reinsurance is not fully regulated, as is insurance. I have heard the logic that the parties to the contract are equally sophisticated, and therefor no regulation is necessary. The problem with that logic is that it assumes a premise that is false. Many of the parties do not have equal bargaining power; they are not equally qualified to enter into the transaction and there are no real arms length negotiations. Many small companies spend more on reinsurance each year then they could possibly receive from the sale of the building they occupy.

jel20757-lipshultzstanley_l.p3-001.jpg

Stanley Lipshultz

I began my insurance career in 1968 working in the claims department for the Insurance Company of North America (INA) both as a staff claims adjuster and then as a liability supervisor.  After finishing law school I specialized in insurance defense for agents and brokers and for insurance companies in  direct suits against them as…

Robert E. Underdown

The Insurance Archaeologist™, Bob Underdown  is a highly qualified Insurance Expert Witness providing consultation and testifying services across the United States. Mr. Underdown has provided testimony in recent cases in the following areas: Standard of Care for insurance agent and brokers; insurance claims adjusting; insurance company bad faith (both first party and third party); insurance…

Dale Crawford

Dale is a 35+ year veteran of the insurance industry, from an underwriter trainee to president of an insurance company.  Along the way, he was also an officer at 2 reinsurance companies for 14 years.  The reinsurance experience provided an exceptionally broad view of the industry, dealing with numerous insurance company clients in standard lines,…

bobs_color_photo.png

Robert Gaddis

Complex Insurance Consulting (“CIC”) assists attorneys and their clients as consulting and testifying expert witnesses in the field of Property/Casualty insurance claims as provided for by the U.S. Federal and States’ Rules of Civil Procedure.  CIC’s principal, R.P. “Bob” Gaddis, JD, has 50 years of experience in dealing with Property/Casualty insurance, first in the insurance…

Bruce Heffner, Esq.

I am a lawyer and leader proficient at crafting solutions to complex problems with substantial experience in law,  reinsurance, management, insurance, compliance, risk management, underwriting, negotiations, claims, coverage analysis, and human resources, from the corporate and regulatory perspective. My formal education is a blend of administration, insurance, and law. I have a pragmatic mentoring style…

michael_johnston.jpg

Michael Johnston

Mr. Johnston is a civil litigator concentrating his practice in insurance, consumer, personal injury and commercial litigation. He is licensed to practice in Texas and Oklahoma. Mr. Johnston is Board Certified in Consumer & Commercial Law (which includes Insurance Law) by the Texas Board of Legal Specialization. He is also Board Certified in Civil Trial…

Areas of Expertise