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“No fee unless we recover for you” … “The no fee promise” … “No charge unless we win!” … TV and radio are full of lawyer advertisements who claim they will handle your case at “no cost” to you, the client.  If the case is won, the lawyer reimburses the firm for the costs paid out of the recovery, and then shares the result with the client, usually on a one-third/two-thirds bases although sometimes the lawyer will charge a larger percentage, such as forty percent. California Business & Professions Code section 6147 authorizes such financial arrangements between lawyers and clients.  It provides: (a) An attorney who contracts to represent a client on a contingency fee basis shall, at the time the contract is entered into, provide a duplicate copy of the contract, signed by both the attorney and the client, or the client’s guardian or representative, to the plaintiff, or to…

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


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…