However, one survey found that about half of consumers believe it is insurer's responsibility, and consumers may come to this conclusion through the insurer's processes, which one legal scholar argues creates a «reasonable expectation» of coverage, [10] which is a controversial
insurance law doctrine adopted in certain states.
Within the past decade, banking and
insurance companies have hired historical legal experts and spent a lot of time litigation over the US Federal Court system's power to issue equitable remedies such as the Mareva injunction and equitable liens to seize assets in federal litigation; the Alien Torts Act which has been used by international human rights organizations had its breadth restricted by use of 18th century views of the «
law of nations» requiring recourse to historic writers like Hugo Grotius, and even administrative
law has come under assault by dissents of Justice Thomas arguing that the «Chevron»
doctrine of deference to agency interpretations of their own statutes should be set aside as being incompatible with the understanding of the American separation of powers
doctrine as it was understood at the time of the country's founding.
Time limits,
insurance company defense tactics, case
law, documentation, statutes and legal
doctrines can all present obstacles to the injured and to the inexperienced lawyer.