Disciplined in Sophisticated Defense and Insurance Litigation

Of Counsel at Butler, Caroline A. Adams joined the firm in 2006. She is an AV peer-rated attorney by Martindale-Hubbell and currently practices in our Casualty Defense Litigation, Construction, Extra-Contractual, Product Liability, and Trucking departments. In addition, she has handled numerous cases involving Medical and Professional Malpractice Liability. Some of the specialty case types she has handled while at Butler include automobile negligence, catastrophic injuries, insurance coverage, and premises liability. Prior to joining the firm, Caroline specialized in liability defense and general civil litigation.

Caroline earned her Bachelor of Arts degree in Political Science at the University of Illinois at Champaign/Urbana in 1989. She then went on to complete law school at the University of Memphis. She graduated with her Doctor of Jurisprudence degree in 1992.

Caroline also volunteers as an intake attorney for Bay Area Legal Services, which provides civil legal services to low-income individuals and non-profit community groups.


  • Florida
  • Tennessee


  • University of Illinois
    Bachelor of Arts degree in Political Science
  • Memphis State University
    Doctor of Jurisprudence


  • American Bar Association (ABA)
  • Florida Bar Association (FBA)
  • Hillsborough County Bar Association (HCBA)
  • Tennessee State Bar Association


  • Florida Federal Courts (Middle District)
  • Tennessee Courts (Western District)
April 01, 2006 PUBLICATIONAre Products Advertisements That Give Rise to Advertising Injury Coverage?

International Risk Management Institute (©Copyright April 2006) (with Rebecca C. Appelbaum)  

Please contact the attorney for a copy of the article.

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March 22, 2005 PUBLICATIONThe Timely Demise of Excess Judgments (Probate Nonclaim Statutes)

Imagine your insured is at fault in an accident that kills her and causes devastating injury to another individual. You (the insurer) fail to meet a settlement demand within policy limits. Liability is clear and excess exposure is inevitable. The claimant files a civil lawsuit naming the "estate" of the insured as the defendant. However, the estate of the insured is not set up yet. Having no entity to actually serve with the complaint, the claimant petitions the probate court for administration of the decedent's estate, has a personal representative appointed, and immediately serves legal process on that representative. A multi-million dollar excess judgment is obtained in the civil action.

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February 21, 2001 PUBLICATIONPossible Bad Faith In The Allocation Of Coverage For Third Party Continuous Loss Claims

An insured causes damage or injury that results in a third party claim for continuous loss spanning three years. The third party makes a claim under the policy in effect at the time of the loss. The policy covers the same three years as the loss and provides $300,000.00 for each year. In other words, the policy provides a total of $900,000.00 aggregate coverage over three years. We will assume the claim is settled for $300,000.00.

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June 09, 2010 EVENTCare and Feeding of Vocational Rehabilitation Professionals and Their Use in Defending Litigation
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Key Points
Practice Area CASE TYPE
  • Asbestos
  • Bad Faith
  • Catastrophic Injuries
  • Church Organizations
  • Civil Remedy Notices
  • Commercial General Liability
  • Complex Liability Litigation
  • Construction Defect Litigation
  • Consumer Protection Law
  • Contribution Claims
  • Coverage - Bodily Injury
  • Coverage - First Party Automobile
  • Coverage - Personal Injury
  • Deceptive and Unfair Trade Practices
  • Environmental Liability - Mold
  • Excess Coverage
  • General Casualty Litigation
  • Medical Malpractice
  • Negligent Hiring
  • Negligent Security - Violent Crimes
  • Premises Liability
  • Products Liability
  • Products Liability - Automobile
  • Products Liability - Consumer Products (All Types)
  • Professional Liability
  • Standard Liability
  • Toxic Torts
  • Trucking
  • Underinsured Motorist
  • Uninsured Motorist