What is the role of an insurance expert witness?

An insurance expert witness is an individual who provides their expertise and opinion on matters related to insurance law in order to help aid the court’s understanding of a case. The witness is typically used to explain complicated insurance laws and regulations to the court. An insurance expert witness’s opinion is only one part of the trial process and must be seen and heard in its entirety in order to gain an impartial, unbiased judgement. In North Carolina, expert witnesses provide evidence during deposition hearings and, if necessary, trial, to support or oppose a party’s contentions. Expert witnesses can be called to provide an independent expert opinion on the insurance issue at hand, such as causation, duty to defend, or breach of contract. The expert witness can provide evidence regarding the actual market value of the coverage that is being disputed, evaluate the amount of the insurance policy’s risk, and assess the validity of the insurance company’s position. The insurance expert witness is a key component of the court system in North Carolina, as their expert opinion can greatly affect the outcome of a case. The insurance expert witness must be qualified and impartial and adhere to the rules of evidence. The expert should also be knowledgeable and experienced in insurance, as well as familiar with the factual information regarding the case. The expert must also be unbiased and provide an opinion that assists the court in making an informed decision.

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