Durham Insurance Defense Lawyers

Zein Obagi
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Zein Obagi
Los Angeles, CA Insurance Defense Lawyer with 15 years of experience
(424) 284-2401 811 Wilshire Boulevard
Suite 1721
Los Angeles, CA 90017
Free ConsultationInsurance Defense, Appeals and Real Estate
University of Southern California Gould School of Law
Attorney Zein Obagi and friend Seth Stodder founded Obagi Law Group. P.C. in 2013, having worked previously with Allen Matkins LLP and Jones Bell LLP. Attorney Obagi focuses on several areas of the law, in particular litigation, debt collection, and bad faith insurance cases. A graduate of the University of Southern California, Gould School of Law, Attorney Obagi is admitted to practice law in California and in the U.S. District Court for the Central and Southern Districts of California. For your no-cost case evaluation to discuss your issue with the firm, call Attorney Obagi today at (310)...
Bruce James Berger
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Bruce James Berger
Fresno, CA Insurance Defense Attorney with 36 years of experience
(559) 449-0571 2540 W Shaw Ln
Fresno, CA 93711
Insurance Defense
Whittier Law School
Mr. Ronnie R Gipson Jr
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Mr. Ronnie R Gipson Jr
San Francisco, CA Insurance Defense Attorney with 19 years of experience
(415) 432-4565 201 Mission Street
Suite 1200
San Francisco, CA 94105
Insurance Defense, Business and IP
University of San Francisco School of Law
James H Olson
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James H Olson
Riverside, CA Insurance Defense Lawyer with 14 years of experience
(866) 776-3983 4590 Allstate Drive
Riverside, CA 92501
Free ConsultationInsurance Defense and Business
University of San Diego School of Law
James Olson is an associate in the Riverside office of Fernandez & Lauby. Mr. Olson graduated from University of California, San Diego in 2004 with a Bachelor of Arts degree in Psychology. In 2008, he received his Juris Doctorate degree from the University of San Diego School of Law. While in law school, Mr. Olson volunteered for the San Diego County Public Defender's Office and received recognition for honors in Advanced Legal Writing and Negotiations. Also while in law school, Mr. Olson clerked for Kolod Wager Law Offices. Mr. Olson has worked as an associate attorney at...
Andrew Spencer Meyers
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Andrew Spencer Meyers
San Diego, CA Insurance Defense Lawyer
(619) 595-6020 225 Broadway, Suite 1550
San Diego, CA 92101
Free ConsultationInsurance Defense, Insurance Claims, Products Liability and Trademarks
California Western School of Law
Andrew Meyers has more than 14 years of experience representing insurance companies, insureds, businesses, and individuals as an attorney. He specializes in civil litigation defense, insurance coverage, Examinations Under Oath, bad faith defense litigation, breach of contract cases, and intellectual property prosecution. Andrew is methodical in analyzing cases and claims and takes pride in remaining available to clients as much as possible. His experience has resulted in numerous multi-million dollar fraudulent claims being denied. Moreover in defending insured, his case strategy and guidance has resulted in efficient settlements, and case dismissals maximizing clients' resources and protecting the utmost interests...
Paul B. Arenas
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Paul B. Arenas
Long Beach, CA Insurance Defense Attorney with 30 years of experience
(563) 432-7422 3711 Long Beach Blvd, #601
Long Beach, CA 90807
Insurance Defense, Business and Employment
University of the Pacific, McGeorge School of Law
Civil litigation, maritime and transportation attorney with experience representing cargo handlers, motor carriers, air carriers, freight forwarders, NVOCCs, logistics providers, terminal operators, marinas, warehousemen and vessel operators in both state and federal court throughout California.
William M. Kaufman
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William M. Kaufman
Mountain View, CA Insurance Defense Attorney with 18 years of experience
(650) 691-2888 777 Cuesta Drive
Suite 200
Mountain View, CA 94040
Free ConsultationInsurance Defense and Bankruptcy
Santa Clara University School of Law and University of Arizona
William Kaufman has been a litigator throughout his career and has extensive experience in multiple practice areas of civil litigation. Mr. Kaufman’s legal career began representing individuals in bankruptcy and family law matters. Over the last several years, his focus has been exclusively on construction litigation. Prior to joining Lockhart Park. LLP, Mr. Kaufman was an associate attorney at Leonidou & Rosin representing large general contractors, subcontractors, and suppliers in construction litigation matters involving mechanic’s liens, stop payment notice, payment bonds and delay claims. Thereafter, Mr. Kaufman was a senior associate at LaMore, Brazier, Riddle &...
Timothy John Broussard
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Timothy John Broussard
Irvine, CA Insurance Defense Attorney with 27 years of experience
(949) 261-7700 38 Corporate Park
Irvine, CA 92606
Insurance Defense, Business, Employment and Products Liability
Whittier Law School
All Aspects of Construction, Litigation and Commercial Law
Kelli G. Hawley
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Kelli G. Hawley
Los Angeles, CA Insurance Defense Lawyer with 38 years of experience
(213) 225-6150 523 West Sixth Street
Suite 830
Los Angeles, CA 90014
Insurance Defense, Business, Products Liability and Real Estate
University of San Diego School of Law
Kelli G. Hawley is the managing partner of McCathern’s Los Angeles office. Mrs. Hawley concentrates her practice in construction law, with additional expertise in litigation of real estate disclosure, business, contracts, products liability, construction injury, and subrogation disputes.

Mrs. Hawley regularly handles high-exposure defense of developers and general contractors under Owner Controlled Insurance Programs (“OCIP”) and Contractor Controlled Insurance Programs (“CCIP”), better known as wrap-up insurance policies. She has an established track record of early and economic resolution of pre-litigation claims both under SB800 and Calderon statutes. Mrs. Hawley has practiced law since 1985, with both jury and bench trial experience....
Stephen P. Hoffman LL.M.
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Stephen P. Hoffman LL.M.
Los Angeles, CA Insurance Defense Lawyer with 12 years of experience
(213) 443-5100 555 S. Flower Street
Suite 2900
Los Angeles, CA 90071
Insurance Defense, Business and Insurance Claims
University of Arizona and University of Minnesota Law School
Robyn Michele McKibbin
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Robyn Michele McKibbin
Woodland Hills, CA Insurance Defense Lawyer with 27 years of experience
(818) 999-2232 21600 Oxnard St
Suite 200
Woodland Hills, CA 91367
Insurance Defense and Business
Santa Clara Univ School of Law
Robyn M. McKibbin, Partner, has a broad-based litigation practice representing both corporate and individual plaintiffs and defendants with primary emphasis on employment law including wage and hour, harassment, discrimination, and wrongful termination. She represents clients in private mediations and arbitrations, before administrative agencies and in state and federal courts. She provides preventive personnel advice concerning hiring, firing, leaves of absence, internal investigations, and disciplinary action. Robyn prepares and evaluates client personnel manuals, policies and forms, and negotiates and drafts employment, confidentiality, separation, and severance agreements. She also provides anti-harassment, discrimination and retaliation training for supervisors and...
Kirk Allen Lauby
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Kirk Allen Lauby
Riverside, CA Insurance Defense Attorney with 45 years of experience
(888) 959-8508 4590 Allstate Drive
Riverside, CA 92501
Insurance Defense, Appeals, Business and Employment
Pepperdine University School of Law and Southwestern Law School
Kirk A. Lauby has a varied and comprehensive background in business management which is of particular benefit to the firm's business and business litigation clients. Mr. Lauby was admitted to the State Bar of California in 1978, and has combined his legal practice with business endeavors in the food marketing industry, oil and gas exploration, and real estate building and development.

Mr. Lauby is an experienced trial attorney with a focus on business litigation, construction defect litigation, construction injury litigation, premises liability, contractor general counsel assignments and personal injury. He has the distinction of having represented the developer defendants in what...
Nicholas Andrew Konoske
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Nicholas Andrew Konoske
San Diego, CA Insurance Defense Attorney with 16 years of experience
(858) 385-0871 16880 West Bernardo Drive, Suite 250
San Diego, CA 92127
Insurance Defense, Arbitration & Mediation, Business and Insurance Claims
California Western School of Law
Nicholas A. Konoske is a member of the firm acting as a business advisor and general counsel for businesses at various stages in their growth cycle, from start ups to mature operating companies, and he has particular expertise in counseling early stage and emerging growth technology companies. Mr. Konoske advises clients in business strategy, start up business formation and structuring, corporate formation and entity selection, corporate governance, the development of funding strategies and the alternatives available to entrepreneurs. He is actively involved in a full range of legal projects, including mergers and acquisitions, debt and equity financing (including angel and...
Graham J Baldwin
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Graham J Baldwin
Riverside, CA Insurance Defense Attorney with 48 years of experience
(951) 320-1444 4590 Allstate Drive
Riverside, CA 92501
Insurance Defense and Business
Western State College of Law at Argosy University
Graham J. Baldwin is an associate attorney with Fernandez & Lauby LLP. He has a wide variety of experience in civil litigation encompassing the fields of personal injury, wrongful termination, professional liability, construction accidents, construction defect, and general business, at both the trial and appellate levels. Mr. Baldwin has been a past civil litigation arbitrator and is a current member on the Riverside County Fee Arbitration panel. Mr. Baldwin graduated from California State University (Long Beach) with a B.A. in 1971 and obtained his J.D. from Western State University in 1976. He is admitted to practice before the Federal...
Kristi Weiler Dean
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Kristi Weiler Dean
Los Angeles, CA Insurance Defense Lawyer with 40 years of experience
(818) 999-2232 21600 Oxnard St
Suite 200
Los Angeles, CA 91367
Insurance Defense and Business
Pepperdine Univ School of Law
Kristi W. Dean, Managing Partner, is a skilled trial lawyer who represents clients in business disputes. Kristi was named a 2013 Trusted Advisor by the San Fernando Valley Business Journal. She has been consistently named a "Southern California Super Lawyer" and recognized as "one of the top" lawyers in Southern California by her peers in Los Angeles Magazine, Law & Politics Media, Inc., and Super Lawyer publications. Kristi represents corporations and business organizations in various litigation disputes, including breach of contract, shareholder disputes, unfair business competition, trade secret misappropriation, tortious interference, wage & hour, shareholder derivative actions, and breach of...
Frank Satalino
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Frank Satalino
Rancho Santa Margarita, CA Insurance Defense Attorney with 34 years of experience
(949) 735-7604 19 Velarde Court
Rancho Santa Margarita, CA 92688
Free ConsultationInsurance Defense, Business and Real Estate
University of California College of the Law, San Francisco
Full service law firm handling business, contract, construction, real estate, insurance and labor law and litigation throughout Southern California and Nevada, with extensive experience in civil litigation and the handling of multiple successful trials and arbitrations. Our firm handles all matters for clients aggressively and efficiently, with a clear goal of the bottom line results for its clients.
Nathaniel Lancashire Marston
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Nathaniel Lancashire Marston
West Hills, CA Insurance Defense Attorney with 23 years of experience
(310) 557-9005 6520 Platt Avenue
351
West Hills, CA 91307
Insurance Defense, Business and Real Estate
Loyola Law School
Julia Michelle McGuinness
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Julia Michelle McGuinness
Torrance, CA Insurance Defense Attorney with 8 years of experience
(310) 792-0495 3858 W Carson St
Suite 301
Torrance, CA 90503
Insurance Defense, Business and Employment
Southwestern University School of Law
Ms. McGuinness has extensive experience in all phases of litigation, including pleading, pre-trial discovery, depositions, motion practice, mediation, and trial practice, in both state and federal court. Ms. McGuinness also has experience litigating in other state jurisdictions. Ms. McGuinness’s primary areas of practice include labor & employment law (including wage and hour, retaliation and discrimination), civil and business litigation, construction, breach of contract, tort law and entertainment related litigation. Ms. McGuinness has represented Fortune 500 companies both prosecuting and defending against major construction defect claims and cross-claims. Prior to working at McGuinness & Associates, Ms. McGuinness practiced at a plaintiffs’ class...
Richard Allen Madsen Jr
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Richard Allen Madsen Jr
Walnut Creek, CA Insurance Defense Lawyer with 34 years of experience
(925) 974-0800 Civic Plaza
1655 North Main Street, Suite 240
Walnut Creek, CA 94596
Insurance Defense and Business
McGeorge School of Law Univ of the Pacific
Criminal Defense and DUI attorney Richard A. Madsen, Jr. (a former Contra Costa County Deputy District Attorney) has represented thousands of first-time offenders who have been arrested or charged with driving under the influence throughout the Bay Area and Northern California. Mr. Madsen's impeccable reputation speaks for itself. Recognized as a highly skilled trial lawyer and negotiator, and well seasoned in the intricacies of the Department of Motor Vehicles, Mr. Madsen works tirelessly to protect his clients' rights and achieve superior results. Mr. Madsen knows the system. For nearly twenty years, Mr. Madsen has utilized his reputation and long-standing relationships...
Nate Bernstein
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Nate Bernstein
Encino, CA Insurance Defense Attorney with 30 years of experience
(818) 383-5759 15760 Ventura Boulevard
Encino, CA 91436
Free ConsultationInsurance Defense, Bankruptcy, Business and Real Estate
Golden Gate University School of Law
A seasoned, veteran real estate litigation and transaction attorney and trial lawyer, Nate Bernstein of the LA Real Estate Law Group, serves sophisticated clients in the areas of real estate litigation, business and commercial litigation, and bankruptcy matters and litigation. Nate Bernstein was formerly in house counsel at Fidelity Title Insurance Company and Denley Investment and Management Company, and has been in private practice for 18 years on Southern California.
Gregg Steven Garfinkel
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Gregg Steven Garfinkel
Los Angeles, CA Insurance Defense Attorney with 32 years of experience
(818) 999-2232 21600 Oxnard St
Suite 200
Los Angeles, CA 91367
Insurance Defense and Business
McGeorge School of Law Univ of the Pacific
John Lyster Fallat
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John Lyster Fallat
San Rafael, CA Insurance Defense Attorney with 39 years of experience
(415) 457-3773 68 Mitchell Blvd.
Suite 135
San Rafael, CA 94903
Insurance Defense, Bankruptcy, Consumer and Real Estate
California Western School of Law
The Law Offices of John L. Fallat are dedicated to serving our clients throughout the Golden State of California in the highest ethical manner while achieving the best result possible under the totality of their circumstances, whether it be through an early resolution or a jury trial. We understand that we are here to serve you first and not our own interests. We want you to have every confidence that from the very beginning of our representation, you made the right choice in hiring our firm, and your faith in the American legal system was renewed.

Our firm specializes...
Steven Wilson Blake
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Steven Wilson Blake
Encinitas, CA Insurance Defense Attorney with 19 years of experience
(858) 523-8221 533 2nd Street
Suite 250
Encinitas, CA 92024
Insurance Defense
William Mitchell COL
Attorney Steven Blake founded the Blake Law Firm. Steve has over 14 years of experience handling a wide variety of real estate and litigation matters.

Steve has represented clients throughout all stages of dispute resolution and litigation, including mediations, arbitrations, court trials, jury trials, and appeals. In 2018, Steve argued before the California Supreme Court regarding a lawsuit involving a dispute over obligations under a ground lease and sublease of waterfront commercial property.

With Steve you get the quality and expertise of a larger firm attorney, but with the personal attention and care that only a small law firm can provide.

A Minnesota...
Timothy James Morris
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Timothy James Morris
Los Angeles, CA Insurance Defense Lawyer with 47 years of experience
(213) 489-1600 550 South Hope Street
Suite 1645
Los Angeles, CA 90017
Insurance Defense and Insurance Claims
Loyola Law School, Los Angeles
Facing insurance disputes can cause a great deal of hardship in anyone's situation. If you are being denied a claim, or if you are not receiving the funds that you are entitled to, it is imperative that you seek the assistance of an experienced attorney who knows how to help you fight for your rights. my name is Timothy Morris from Gianelli & Morris, and I am a Los Angeles insurance attorney with many years of experience. Contact my office today to discuss your situation and to pursue the results that you need for your future.
Matthew Richard Stohl
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Matthew Richard Stohl
San Diego, CA Insurance Defense Lawyer with 22 years of experience
(619) 686-1930 401 B St.
Suite 1470
San Diego, CA 92101
Insurance Defense, Business and Products Liability
Univ of San Diego School of Law
Representing property owners, developers, general contractors, design professionals, and subcontractors, in business litigation, construction law, premises liability, contractual disputes, and real estate matters. Mr. Stohl’s practice has included various litigation matters including mechanic’s lien, design professional’s lien, stop notice, payment bond, breach of contract, and Miller Act causes of action. He has represented the firm’s clients in a wide range of matters including: Transactional work for general corporate counsel in drafting and negotiating contracts/ subcontracts to include innovative contractual arrangements for clients. Representation of municipalities in litigation on claims for premises liability arising in connection with highway/roadway design...
Jewell Hargleroad
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Jewell Hargleroad
Hayward, CA Insurance Defense Lawyer with 36 years of experience
(510) 331-2975 1090 B Street, No. 104
Hayward, CA 94541
Insurance Defense, Appeals, Business and Environmental
Certified Appellate Specialist, Board of Legal Specialization of State Bar of California

Practice Summary: Complex federal and state litigation in contracts, land use, government, administrative, constitutional property and speech, trusts and estates, product liability, land use and insurance law.

Specialties: Appeals, injunctions, writs of mandate, land use administrative proceedings, challenging local, state and federal action and enforcing local, statutory and constitutional law in federal and state courts.

Represents both plaintiffs and defendants; insurance defense; owners and contractors in construction disputes; beneficiaries and administrators
John S. Cha
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John S. Cha
Los Angeles, CA Insurance Defense Attorney with 36 years of experience
(310) 440-4100 1800 Avenue of the Stars
12th Floor
Los Angeles, CA 90067
Insurance Defense, Employment and Real Estate
University of Washington School of Law
Gregory Scott Walston
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Gregory Scott Walston
San Francisco, CA Insurance Defense Lawyer with 24 years of experience
(415) 956-9200 4 Charlton Ct
San Francisco, CA 94123
Free ConsultationInsurance Defense, Arbitration & Mediation, Business and Real Estate
UC Davis School of Law King Hall
I have extensive experience in all phases of litigation and trial. Before going into private practice, I have served as Deputy Attorney General in California. I've worked with individuals in major class actions and other cases with state and nationwide ramifications. I've also successfully handled a wide range of civil rights matters, especially cases involving police misconduct and employment issues.


Michael Cameron Rogers
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Michael Cameron Rogers
San Diego, CA Insurance Defense Attorney with 28 years of experience
(619) 686-1930 401 B Street
Suite 1470
San Diego, CA 92101
Insurance Defense, Business, Consumer and Employment
University of San Diego School of Law and Univ of San Diego School of Law
Michael Rogers primarily represents national and regional automotive dealership clients in a wide variety of legal matters including consumer actions and complex litigation, federal and state regulatory matters, unfair competition claims, commercial and consumer litigation, labor and employment issues and franchise disputes. He has significant experience in effectively resolving high-stakes litigation and providing counsel for litigation avoidance and regulatory compliance. In addition to automotive dealerships, his clients include automotive affiliated businesses such as finance companies, flooring lenders, automobile service centers, and surety bonding companies. In addition to his extensive understanding of the complexities of the automotive industry, Michael’s particular...
Robert Harrison
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Robert Harrison
San Diego, CA Insurance Defense Attorney
(619) 321-6200 655 W Broadway
San Diego, CA 92101
Insurance Defense and Business
University of San Diego School of Law
Robert W. Harrison Partner robert.harrison@wilsonelser.com San Diego p 619.321.6200 c 619.787.8388 f 619.321.6201 Robert W. Harrison is the Regional Managing Partner of the WILSON, ELSER, MOSKOWITZ, EDELMAN & DICKER LLP office in San Diego. He has extensive experience in civil litigation with emphasis in the defense of professional liability (health care, lawyers, accountants and brokers), business litigation, employment law and products liability matters. He has tried over 100 cases to jury verdict and also has considerable experience in administrative hearings before the professional licensing boards of the State of California. Robert Harrison is a past president of California Defense Counsel (the lobbying arm of...
Suzanne Badawi
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Suzanne Badawi
Los angeles, CA Insurance Defense Lawyer with 19 years of experience
(213) 617-5582 333 S. Hope Street
43rd Floor
Los angeles, CA 90071
Insurance Defense
My focus is insurance and professional liability law. I have been litigating cases in California state and federal courts for over 10 years. I am an author of a new book called California Legal Malpractice Law published by the ALM.
Michael T Tam
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Michael T Tam
Riverside, CA Insurance Defense Attorney with 15 years of experience
(951) 320-1444 4590 Allstate Drive
Riverside, CA 92501
Insurance Defense, Business, Employment and Insurance Claims
University of San Diego School of Law and University of California - San Diego
Michael Tam is an associate in the Riverside office of Fernandez & Lauby. Mr. Tam graduated from University of California, San Diego in 2005 with a Bachelor of Science degree in Management Science. In 2008 he received his Juris Doctorate degree from the University of San Diego School of Law. While in law school Mr. Tam received the CALI Excellence for the Future Award in Professional Responsibility. Additionally, during his time in law school, Mr. Tam was a research assistant for a renowned corporate law professor and participated in the Tax Clinic for low income tax payers. He also...
Bryan Padrigh Kerney
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Bryan Padrigh Kerney
Monterey, CA Insurance Defense Attorney with 23 years of experience
(831) 372-9200 2600 Garden Road
Suite 222
Monterey, CA 93940
Free ConsultationInsurance Defense, Business, Employment and Real Estate
McGeorge School of Law Univ of the Pacific
Born and raised in the Central Valley of California. Experienced litigator in civil litigation. Licensed in State and Federal Courts. Providing legal services to all of California.
Raeet D Taddesse
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Raeet D Taddesse
Riverside, CA Insurance Defense Lawyer with 26 years of experience
(951) 320-1444 4590 Allstate Drive
Riverside, CA 92501
Insurance Defense, Immigration and Insurance Claims
Whittier Law School
Raeet (Rita) D. Taddesse is a Partner with Fernandez & Lauby LLP. She has handled a wide variety of complex matters, including quasi class actions, professional liability, securities fraud, intellectual property, trade secrets, unfair competition, slip & fall, construction accidents, construction defect, antitrust, banking, real estate, community association, and insurance litigation. Ms. Taddesse has experience in mediation, arbitration, trial, and appellate practice. Ms. Taddesse graduated with honors from California State University at Long Beach in 1994 and obtained her Juris Doctorate degree from Whittier College School of Law in 1996, where she was on the Dean's Honor List. Ms. Taddesse is admitted...
Marisa R. Quinzii
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Marisa R. Quinzii
San Diego, CA Insurance Defense Lawyer with 11 years of experience
(619) 814-2169 185 W. F Street
Suite 400
San Diego, CA 92101
Insurance Defense and Products Liability
California Western School of Law
Terrance James Evans
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Terrance James Evans
San Francisco, CA Insurance Defense Attorney with 21 years of experience
(415) 957-3130 One Market Plaza, Spear Tower
Suite 2200
San Francisco, CA 94105
Insurance Defense, Antitrust, Business and Insurance Claims
Loyola University School of Law
Terrance J. Evans is a partner in the Trial Practice Group of Duane Morris in San Francisco. He concentrates his practice in representing the financial services industry, which includes international, national and community banks; loan service companies; and insurance companies.

With respect to the insurance industry, Mr. Evans concentrates his practice in complex commercial litigation and policy interpretation and analysis. He has represented commercial primary, excess and umbrella insurers in a wide range of multimillion-dollar cases, including declaratory relief, bad faith, rescission, subrogation, indemnity, additional insurance, interpleader and reformation actions.

In relation to the banking industry, Mr. Evans has represented international,...
Dennis Anthony Cammarano
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Dennis Anthony Cammarano
Long Beach, CA Insurance Defense Attorney with 41 years of experience
(562) 495-9501 555 E Ocean Blvd
5th Floor
Long Beach, CA 90802
Insurance Defense
Fordham University School of Law
Ronald Daniel Digesti
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Ronald Daniel Digesti
San Jose, CA Insurance Defense Lawyer with 37 years of experience
(408) 707-5001 PO Box 730277
San Jose, CA 95173
Insurance Defense and Arbitration & Mediation
Santa Clara Univ School of Law
Thomas McRae Harrelson
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Thomas McRae Harrelson
Burlingame, CA Insurance Defense Attorney with 39 years of experience
(650) 373-3300 533 Airport Blvd
Burlingame, CA 94010
Insurance Defense
Capital University Law School
Robyn Susan Hosmer
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Robyn Susan Hosmer
Glendale, CA Insurance Defense Lawyer with 32 years of experience
(818) 548-7800 330 North Brand Blvd. Ste. 900
Glendale, CA 91203
Insurance Defense
University of the Pacific, McGeorge School of Law
Experienced Managing Attorney with a demonstrated history of working in the Civil Litigation industry. Skilled in Trials, Management, Employee Recruiting, Employee Training, Insurance Defense Litigation, Commercial Litigation, and Property & Casualty Insurance.
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