The Whole Argument in Seven Pages

The insurance industry denies and underpays claims it owes by relying on experts who make their living from insurers. The opinion is bought, the claim is refused on it, and the proof that the opinion was bought sits inside the insurer's own files. Three series on this site take that machinery apart: the duty the practice breaks, the framework that proves the bias, and the discovery objections insurers use to keep the proof hidden.

This field guide collects all three, one page per series, with the controlling authority named for each point. It is built to be printed and kept next to a claim file or a request set.

What is inside

• Guide 1
  The Duty of Good Faith & Fair Dealing. Why denying a claim on a bought opinion is illegal, on every duty at once, from the covenant's insurance origins to the honest-selection requirement. Start the series →
• Guide 2
  Standards, Factors & Presumptions. How to prove the opinion was bought: the inference-of-bias standard, the four factors, and the presumption that shifts the burden to the insurer. Read the recap →
• Guide 3
  Defeating the Discovery Objections. How insurers bury the proof, and the answer to each objection already written in the case law. Read the recap →

The guide states the concepts and cases developed in the free posts. The paid editions add the deep-dive, a thorough survey of the supporting cases, and the full 14-chapter e-treatise, arriving in two weeks.

This page and the linked field guide summarize three series published on Expert Bias Report (June and July 2026), each derived from the project's doctrinal syntheses and the treatise chapters in the project vault. Educational and informational only; not legal advice.