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action American Bar Association ance antitrust appeal apply asbestos attorney attorney-client privilege award causation cause civil claim client Committee compensation contract corporate counsel court held coverage damages decision defendant determine discovery dispute documents duty employee evidence excess insurer expert fact federal fees filed hazardous waste indemnity injury insurance company Insurance Law Insurance Practice Section insurer's involved issue judge judicial jurisdiction jury Lake Shore Drive lawyer litigation loss McCarran-Ferguson Act Meeting ment mental opinion owner party patient payment physician plaintiff polygraph problem products liability protect psychotherapist question reasonable rebuild regulation reinsurers result risk Rule scientific settlement sexual harassment Stat statute of limitations strict liability Supp supra note Supreme Court surance surety testimony tion TIPS Tort and Insurance toxic tort trial underlying insurance videotape warn witness workers