Tim Ryles, Ph.D.

Tim Ryles Consulting 1970 Cliff Valley Way NE, Ste. 260 Atlanta, GA 30329 (404) 325-6909 www.timryles.com

Tim Ryles contributes articles on personal lines current trends & issues for IRMI.com.

Dr. Ryles provides consulting services and expert testimony in insurance litigation, regulatory matters, and consumer protection. He also works as an Associate, Robert Hughes Associates in Dallas, and is a frequent author and speaker on those issues.

Georgia Commissioner of Insurance from 1991 to 1995, he also was appointed by Governor George Busbee to serve as Administrator of Georgia's Governor's Office of Consumer Affairs from 1975 to 1982. Other government/regulatory positions include: Statutory Advisory Committee & State Liaison Officer, U.S. Consumer Product Safety Commission; president and vice president, National Association of Consumer Agency Administrators; Executive Committee, NAIC; Chair, NAIC Anti-Fraud Committee; staff, Communications Workers of America; chairman, Georgia Coalition for Consumer Rights; board of directors, National Consumer Symposium, Tucson, AZ, Georgia Consumer Center; Georgia Watch, Atlanta Health Care Alliance; Consumer Rights and Remedies Committee.

Dr. Ryles received his MA and PhD in political science from the University of Georgia and a BS degree from Troy State College. His academic experience includes faculty positions at the University of Georgia, Georgia State University, and Mercer University. Dr. Ryles is active in the American Risk and Insurance Association, NAIC Passe Club, Insurance Section of the Texas Bar Association, Association of Insurance Compliance Professionals, and the American Bar Association, Tort Trial & Insurance Practice Section.

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Articles on IRMI.com

Personal Lines: Current Trends & Issues

Underwriting and Claims: Time To Become Friends? (October 2009)

The War on Fraud: Pitfalls in Public-Private Partnerships (August 2009)

Are State Insurance Regulators Prepared To Objectively Fight Fraud? A Case Study (April 2009)

Fraud and Abuse or Abuse of Fraud: Do Insurance Antifraud Laws Tip the Scales against Insureds? (February 2009)

Disclosing Policy Limits in Liability Claims: A Landmine for Bad Faith (October 2008)

Insurer's Duty at the Outset of a Personal Lines Claim (September 2008)

Why Insurance Companies Should Bear—Not Manage—Risk (April 2008)

Further Comments on Katrina-Related Coverage Disputes (September 2007)

Hazards of Relying on Computer Technology in Claim Settlements (April 2007)

Insurance Agent Liability in Katrina Litigation (January 2007)

Leonard v. Nationwide Insurance Company: Victory or Trojan Horse for Insurers in Katrina Litigation? (October 2006)

Dissecting Problems in Association Health Insurance Policies (June 2006)

Marketing Health Insurance through "Trusteed Groups" (March 2006)

How To Recognize and Avoid Health Insurance Fraud (January 2006)

Georgia Supreme Court Stalls Motor Club Plans (September 2005)

Probing the Gaps in GAP Insurance (June 2005)

Household, Family, and Other Problems in Homeowners Policy Language (March 2005)

Who Really Lives (or Doesn't) in Your Household? (January 2005)