--- title: "Insurance Expert Not Allowed to Opine on the Cause of Death" meta: "og:description": "The insurance expert was not allowed to opine on the breach of fiduciary duty because it veered into a legal opinion" "og:title": "Insurance Expert Not Allowed to Opine on the Cause of Death" author: "Expert Witness Profiler" description: "The insurance expert was not allowed to opine on the breach of fiduciary duty because it veered into a legal opinion" --- # Insurance Expert Not Allowed to Opine on the Cause of Death Posted on April 7, 2026 by Expert Witness Profiler Plaintiffs are the estate and heirs of Timothy Hunt, who was killed in a grain engulfment accident. Defendant is the insurance company who insured the farm (Butts Farms) where the accident occurred. Defendant denied coverage for the accident under the policy. Butts Farms assigned its claims to Plaintiffs as part of an arbitration and non-execution agreement. Plaintiffs secured an arbitration award of approximately $12 million against Butts Farms and seeks to collect that from Defendant. Plaintiffs designated [Ronald Clifton](https://expertwitnessprofiler.com/expert-witness/Ronald-Clifton/1521881) as an expert on Defendant’s claims handling practices. Clifton’s report outlined the facts of the case, and in doing so concluded that the grain vacuum Hunt was using was attached to the trailer. He opined on the liability of Butts Farms, coverage of the loss under the policy, claims handling deficiencies by Defendant, Defendant’s conformance with its “Claims Best Practices” and the Kansas Unfair Claim Settlement Practices Act, and Defendant’s breach of fiduciary duty toward Butts Farms. The Defendant filed a motion to exclude Plaintiffs’ expert Clifton. ## **Insurance Expert Witness** [Ronald Clifton](https://expertwitnessprofiler.com/expert-witness/Ronald-Clifton/1521881) has over 37 years of claim handling experience. He has also served as an insurance claims litigation consultant for over 21 years. [Get the full story on challenges to Ronald Clifton’s expert opinions and testimony with an in-depth Challenge Study](https://expertwitnessprofiler.com/order/add?eId=1521881&pId=3). ## **Discussion by the Court** Clifton’s opinion is “that a reasonable insurer would have settled this claim and paid the full available policy limits,” that Defendant acted negligently by failing to settle the claim for policy limits, and that Defendant failed to act in good faith in handling the claim. The Court has reviewed Clifton’s report. It shared many of the concerns raised by Defendant. Clifton’s report includes an extensive discussion of policy provisions and a conclusion that the accident is covered under the policy. ### _**Analysis**_ To begin with, Clifton concluded without elaboration that the grain vacuum was attached to the grain trailer. But that is a factual question the jury will be asked to decide—a fact question that does not require expert testimony. If a jury finds the grain vacuum was attached to the trailer (which can include being tied), coverage exists under the policy. It is not Clifton’s role to tell the jury how they should decide by simply declaring there is coverage based on the grain vacuum being attached.  To the Court’s knowledge, there are no disputes about any other provisions in the policy. Even to the extent there was an issue about the policy, it is not Clifton’s role to opine on what the policy says or does not say because that is a legal issue for the Court to decide. Clifton’s report also repeated opinions of others, including a doctor’s opinion about Hunt’s cause of death. Clifton is not qualified to opine on that issue, nor is it proper for him to simply repeat what others have said. To the Court’s knowledge, Hunt’s cause of death is not an open issue in this case. There are other opinions that do not seem to “fit” the case. For example, Clifton’s report included a series of opinions that Butts Farms had a duty to exercise reasonable care toward Hunt, and it breached that duty. To the Court’s knowledge, Butts Farms’ obligations toward Hunt are not an issue the jury will be asked to decide. Additionally, Clifton opined that Defendant breached its fiduciary duty to Butts Farms. This opinion is conclusory and veers into legal opinion. ## **Held** The Court granted in part and denied without prejudice in part the Defendant’s motion to exclude the testimony of Ronald Clifton. ## **Key Takeaway** The Court found that many of Clifton’s opinions are not relevant, would not aid the jury, or touch on legal matters or on matters beyond his expertise. However, Clifton did have some expertise that qualifies him to offer opinions about insurance industry standards and practices. What those opinions are and the basis for them are not clear from the report, however. Accordingly, the Court will _voir dire_ Clifton before the trial. ## **Case Details:** --- ## **You Might Also Like** ![Insurance Expert Not Allowed to Opine on the Cause of Death](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-07T201226.004.jpg) [**Insurance Expert Not Allowed to Opine on the Cause of Death**](https://expertwitnessprofiler.com/insurance-expert-not-allowed-to-opine-on-the-cause-of-death/insurance-expert-not-allowed-to-opine-on-the-cause-of-death)![Animal Behavior Expert Was Not Allowed to Opine on Drug Detection Dogs](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-07T175803.497.jpg) [**Animal Behavior Expert Was Not Allowed to Opine on Drug Detection Dogs**](https://expertwitnessprofiler.com/insurance-expert-not-allowed-to-opine-on-the-cause-of-death/animal-behavior-expert-was-not-allowed-to-opine-on-drug-detection-dogs)![Law Enforcement Expert Was Not Allowed to Opine on the Suspect's Flight](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-07T131602.639.jpg) [**Law Enforcement Expert Was Not Allowed to Opine on the Suspect’s Flight**](https://expertwitnessprofiler.com/insurance-expert-not-allowed-to-opine-on-the-cause-of-death/law-enforcement-expert-was-not-allowed-to-opine-on-the-suspects-flight)![Industrial Hygiene Expert's Testimony on Environmental Exposure Limited](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-06T194531.503.jpg) [**Industrial Hygiene Expert’s Testimony on Environmental Exposure Limited**](https://expertwitnessprofiler.com/insurance-expert-not-allowed-to-opine-on-the-cause-of-death/industrial-hygiene-experts-testimony-on-environmental-exposure-limited)![Psychology Expert's Testimony on Grooming Limited](https://ewp-blog.expertwitnessprofiler.org/wp-content/uploads/2026/04/blog-pic-640X480-2026-04-06T164223.328.jpg) [**Psychology Expert’s Testimony on Grooming Limited**](https://expertwitnessprofiler.com/insurance-expert-not-allowed-to-opine-on-the-cause-of-death/psychology-experts-testimony-on-grooming-limited)