Tim Ryles

Tim Ryles

Ph.D., AAI

Contact Info

Insurance Litigation and Regulatory Consultant
Tim Ryles Consulting Services, LLC
4003 Riverside Drive
Brunswick, Georgia 31520
Phone: (912) 289-9659


Tim Ryles contributes articles on current trends & issues for

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.

Expert Commentary

Date Article
Sep 2022 In Search of Standards for Totaled Auto Claims Software
Aug 2022 Understanding the Estimatics of Settling Total Vehicle Claims
Jul 2022 Auto Markets and Settlement of First-Party Totaled Vehicle Claims
Apr 2019 Disclosing Policy Limits in Liability Claims: A Landmine for Bad Faith
Jun 2018 Noneconomic Costs of Flood Insurance in a Regulatory Minefield
May 2018 Fair Claims versus the Property Insurance Mortgage Clause
Feb 2018 The History of Ethical Principles and Insurance
Aug 2017 Insurance Is "Affected with a Public Interest"
May 2017 In Search of a Paradigm for Ethical Conduct in Insurance
Dec 2014 Just What Does "Amount of Loss" Amount to in Appraisal Clauses? (Part 3)
Nov 2014 In Praise (or Not) of the Appraisal Clause in Homeowners Policies (Part 2)
Oct 2014 Appraisal Clause in Homeowners Policies
Nov 2013 Judicial Estoppel and Insurance Claims
Mar 2013 Risk Purchasing Groups: A Fictitious Grouping for Illusory E&O Coverage?
Mar 2013 New Issues in the Marketing of Producer Errors and Omissions Insurance
Oct 2012 Resources for Identifying Standards of Conduct for Insurance Producers
May 2012 So You Think You Are a Professional: The Judicial Model of an Insurance Producer's Professional Status
Jul 2011 Tennessee Supreme Court Deals Blow to "Duty To Read" and Broadens Agent Liability
Nov 2010 Third-Party Vendors in Insurance Claims Investigations: A Framework for Evaluation
Apr 2010 "Anticoncurrent Causation" Refined by Mississippi Supreme Court
Oct 2009 Underwriting and Claims: Time To Become Friends?
Aug 2009 The War on Fraud: Pitfalls in Public-Private Partnerships
Apr 2009 Are State Insurance Regulators Prepared To Objectively Fight Fraud? A Case Study
Feb 2009 Fraud and Abuse or Abuse of Fraud: Do Insurance Antifraud Laws Tip the Scales against Insureds?
Sep 2008 Insurer's Duty at the Outset of a Personal Lines Claim
Apr 2008 Why Insurance Companies Should Bear—Not Manage—Risk
Sep 2007 Rethinking Concurrent Causation and the Flood Exclusion: Further Comments on Katrina-Related Coverage Disputes
Apr 2007 Hazards of Relying on Computer Technology in Claim Settlements
Jan 2007 Insurance Agent Liability in Katrina Litigation
Oct 2006 Leonard v. Nationwide Insurance Company
Jun 2006 Dissecting Problems in Association Health Insurance Policies
Mar 2006 Marketing Health Insurance through "Trusteed Groups": A Perversion of the Group Insurance Concept
Jan 2006 How To Recognize and Avoid Health Insurance Fraud
Sep 2005 Georgia Supreme Court Stalls Motor Club Plans
Jun 2005 Probing the Gaps in GAP Insurance
Mar 2005 Household, Family, and Other Problems in Homeowners Policy Language
Jan 2005 Who Really Lives (or Doesn't) in Your Household?