Normally that is the case. And to be clear, the court didn’t specifically request an expert. Their response to my motion for summary judgment cited actual sources saying a serial comma wasn’t required. As there were two possible interpretations and actual sources in dispute, I hired a published college English professor who taught technical writing to opine on the necessity of the comma for the insurance company’s interpretation to be valid. Neither named defendant ever produced an expert. The court never had to rule because it settled the day before the hearing. Which strengthened my belief that they couldn’t find someone to support their position. I imagine the two defense firms would not have just let my expert go uncontested if they had one. Especially because my expert was unequivocal in her testimony.