Insurance Expert Witness & Litigation Consultant
Michael Gay, CPCU Insurance Expert Witness Services
About Michael Gay
Who I Am
I provide expert witness services in the fields of agent and broker standards of care, industry practices, and complex insurance coverage issues. My role involves assisting attorneys, courts, and juries in understanding complex insurance terms and coverages clearly and accurately. I offer opinions that are practical, defensible, and grounded in real-world scenarios. Through my insurance litigation consulting, I explain issues plainly, address the questions that matter, and ensure my insights stay within the four corners of the evidence.
Areas of Expertise
Insurance agent and broker standards of care are crucial in the context of insurance litigation consulting. Allegations of negligent procurement and failure-to-advise often arise from a lack of adherence to insurance industry standards. Coverage interpretation and policy analysis play a vital role in understanding agency and insurer practices, as well as industry customs. Additionally, disputes over certificates of insurance and risk transfer may also necessitate expert witness services to clarify complex issues.
Credentials & Experience
CPCU - Chartered Property & Casualty Underwriter; AAI - Accredited Advisor in Insurance; AAI-M - Accredited Advisor in Insurance Management; AINS - Associate in Insurance Services; AIS - Associate in Insurance; ARM - Associate in Risk Management; CRIS - Construction Risk and Insurance Specialist; RMPE - Risk Management for Public Entities. These qualifications are essential for providing expert witness services and ensuring adherence to insurance industry standards in the field of insurance litigation consulting. Request a current CV.
Methodology & Focus
My work in expert witness services is grounded in careful document review, attention to context, and a deep understanding of how the insurance industry operates. I articulate my opinions clearly, supported by evidence that can withstand cross-examination in insurance litigation consulting settings before judges and juries who may not have a background in insurance. I am not driven by outcomes; instead, my focus is on forming opinions based on policy language, the facts of the case, and established insurance industry standards and practices. I go where the facts take me.
Independence and Objectivity
I do not advocate for a party’s legal theory; rather, I provide expert witness services by evaluating facts and documents to render opinions impartially, irrespective of which party retained me. I assess conduct against accepted insurance industry standards, including policy forms, underwriting practices, claims guidelines, and regulatory frameworks. My experience spans both plaintiffs and defendants, with engagements taken on only when the facts support my assessments. In my role as an insurance litigation consulting expert, I assist the trier of fact by clearly explaining complex insurance concepts in a factual and methodologically sound manner, without drawing legal conclusions.
What You Can Expect
Clear, well-reasoned opinions that align with industry norms and practices, particularly tailored for the insurance industry standards. Our document-driven analysis supports insurance litigation consulting, providing opinions designed for deposition and trial readiness. We ensure our opinions are easily understandable to judges and jurors, backed by professional deposition and trial testimony. Additionally, we offer timely responses that are sensitive to Counsel's deadlines and filings, ensuring effective expert witness services.