In this episode of Freight Nation: A Trucking Podcast, host Brent Hutto is joined by Matthew Leffler, President of Armchair Attorney, and Brandon Minert, President of United Commercial Insurance. 
Join them as they discuss: 

• Nuclear verdicts and their impact on the transportation industry
• Reptile theory
• Creating a culture of safety 
• Trucking litigation
• The impact of nuclear verdicts on small trucking operations and brokers
• The need to work with experts and industry associations

Matthew Leffler is President of Leffler Technologies, a startup tackling the inspections of heavy duty commercial trailers. He is also the host and producer of “Fleeting Conversations podcast”. Matthew is the Managing Attorney for Armchair Attorney, a general practice law firm. 
Brandon Minert has been President of United Commercial Insurance, a commercial auto insurance provider, since 2013. Before this, he was Operations Manager for Minert & Associates. 

Episode Highlights:
[06:08 - 07:48] Matthew discusses the term "nuclear verdict", which was coined by the industry, not by the legal community, to describe cases where the liability exceeds $10 million, typically involving wrongful death or catastrophic injury. These high-damage awards reflect the significant costs associated with medical expenses, long-term care, and the perceived value of a human life, as determined by juries. Matthew notes that the frequency of such verdicts has risen by 43% between 2010 and 2019, attributed to increased distractions for both passenger and truck drivers, leading to more serious accidents.
[11:25 - 14:37] Matthew discusses the concept of "reptile theory," a legal strategy used by plaintiff attorneys to win large settlements in cases involving trucking accidents. Reptile theory is not a legal term but a psychological tactic designed to appeal to the jury's instinct for self-preservation by framing the defendant's actions as a threat to community safety. Matthew explains that this approach shifts the focus from the individual driver's actions to the systemic safety practices of the trucking company, often leading to higher punitive damages. This tactic is increasingly used to secure nuclear verdicts, making it essential for trucking companies to maintain stringent safety standards to protect themselves from such litigation.
[22:59 - 27:22] Brandon highlights how insurance is a necessary expense, not an asset, and its rising costs don't benefit anyone. To manage insurance effectively, especially in the trucking industry, companies must adopt a proactive approach rather than a reactive one. Insurance carriers, particularly those specialized in trucking, are eager to educate and support their clients, preparing them for potential claims. Brandon suggests that the key is early identification and resolution of issues, such as those involving reptile theory cases, which can lead to significant legal battles. A strong company culture focused on safety is crucial, as it can prevent many problems. Without such a culture, no amount of preparation can fully protect a company. 
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