Articles

Who’s Who Top Attorneys of North America – Guy O. Kornblum

Recognizing Legal Excellence Guy O. Kornblum, Attorney with Guy O. Kornblum, A Professional Law Corporation was recognized as a Diamond Member into the Top Attorneys of North America 2020-2021 edition by The Who’s Who Directories. “I am committed to providing the best legal decisions for my clients.”  – Guy O. Kornblum For over 40 years, The Law Firm of Guy O. Kornblum, APLC have been San Francisco, California’s premier insurance, personal injury, and litigation law firm. If you experience denial of a claim by your insurance company, they are there to protect the rights of the victims of insurance negligence and bad faith. At the law firm of Guy O. Kornblum, APLC they are your Resolution Advocates. As your lawyers, they will work for you. They build strong bonds with clients and be there for you every step of the way. Read the Full Article

INSURANCE ‘BAD FAITH’ CASES ARE ALIVE AND WELL IN CALIFORNIA

By:  Guy O. Kornblum, Member of the California and Indiana Bars[1] Insurance companies in California customarily follow what are known in the industry as “good faith” claims practices.  The term “good faith” arises from a principle that, in handling insurance claims made by an insured, the insurance company must abide by a promise that the claim will be handled and administered in “good faith” and with “fair dealing” by the insurance company.  These customary claims practices arise from a series of statutes, regulations and cases that have fashioned a body of procedures for insurance companies to follow in order to meet their responsibilities to their insureds.  These practices are customarily followed by insurers who provide insurance coverage to their insureds in California.  It is my experience that insurers generally adopt principles of operation, guidelines, and claims manuals based on what the “good faith” claims practices customarily are. The basic “good…

Business Interruption Coverage After The Covid- 19 Pandemic: A Roadmap to your Client’s Claim

The recent pandemic has brought to the forefront business insurance coverage for the shutdowns – what is known as business interruption coverage. That is, many commercial insurance policies pay the insured for its “loss profits” and “extra expenses” resulting from the time they are unable to open their doors for some period of time — usually up to 12 months provided losses are documented — because of various events. In this case there has been a government order to close or “shutdown” businesses and cease operating. The reason:? There is a pandemic – a virus is in the “air” that threatens the human population. The question is: Is this a business interruption that is covered as a compensable loss under the insured’s commercial insurance policy? Read the Full Article Here (PDF 273K)

Uninsured and Underinsured Motorist Coverage is Most Important in Your Auto Policy

By: Guy O. Kornblum, Certified in Civil Trial and Pretrial Practice Advocacy, National Board of Trial Advocacy; Member, Multi-Million Dollar Advocates Forum A most important insurance protection for you, your family and passengers in your auto is that which covers you or them in the event you are hit by a wrongdoing uninsured or underinsured motorist.  Why? In California, it has been estimated that 1 in 4 motorists are driving on the highways uninsured or underinsured, that is without adequate liability insurance protection.  What this means is that they either have no insurance or not enough to cover any responsibility they have as a negligent driver who injures others. So, if this is the case, how do you protect yourself and passengers in your auto if anyone is injured in an accident with someone driving without adequate insurance protection?  There are really two ways. First, in your auto policy there…

“SETTLEMENT” AIN’T A BAD WORD!

My experience with clients today is that they want (and perhaps even expect) their case to settle. They want to avoid the stress and delay of a trial, and also the risk of an unacceptable result (to them). So the first question after “What is my case worth?” is: “Can you settle my case.” So educating the client about process and prospects of a resolution short of trial should and usually begins at the first client meeting.  And its discussion early on is important to successfully settling clients’ cases because obviously they hold the authority to settle. So it is important to have a dialogue with clients about the negotiating process and begin educating clients about how this all works and what their expectations should be for a settlement instead of a trial. Here are some thoughts on how to educate and prepare clients on settling their cases: Prepare for the…