Laura R. Ramos
Laura R. Ramos specializes in insurance coverage and related matters in addition to complex commercial litigation, including class actions, unfair business practices, antitrust, business torts, product liability, and appellate matters.
Ms. Ramos received her B.A. degree in Urban Studies & Planning from the University of California, San Diego in 1992 where she made the Provost Honor List. She received her J.D. from Stanford Law School in 1996 where she served as the Senior Article Editor of the Stanford Law & Policy Review. Ms. Ramos is admitted to practice before all California State Courts and Federal District Courts in California and the 9th Circuit Court of Appeals.
• A favorable settlement of a class action was reached prior to class certification for alleged violations of Business & Professional Code §17200 against an international money wire transfer company, related to allegations of deceptive currency exchange rate advertisements.
• A multi-million dollar verdict in an insurance policy rescission action was obtained in United States District Court on behalf of insurance carrier, based on misrepresentation in insurance application by holding company with multiple corporate subsidiaries. Appeal to Ninth Circuit was successfully defended.
• A multi-million dollar jury verdict was obtained in a case regarding insurance indemnity obligations for out-of-state toxic tort remedial clean-up.
• A favorable ruling was obtained in a bench trial involving issues of trigger of coverage and method of exhaustion for primary and excess policies spanning over 40 years of coverage which were responsive to toxic tort claims.
• A favorable settlement was reached in a business tort action for unfair competition and breach of fiduciary duty regarding title insurance brokers.
• Unionamerica Ins. Co., Ltd. v. Fort Miller Group, Inc.
The firm prevailed on behalf of its client, a Lloyd's syndicate, in a rescission and reimbursement action heard before the U.S. District Court for the Northern District of California. The policy holder was a New York corporation with several subsidiaries. The client issued a specialized "gap" commercial policy which named all the subsidiaries as insureds. However, the insurance application failed to adequately disclose the ultra-hazardous operations of one of the insured subsidiaries, which then became involved in a multi-million dollar loss in San Francisco regarding construction on the Oakland Bay Bridge. The insurer client defended the insured in the claim under a reservation of rights and then settled the suit over the insureds' objections. The firm then brought a rescission and reimbursement claim on behalf of the client insurer against the insured. The insured counter-claimed for bad faith. After a six-day trial, the U.S. District Court ruled in favor of client insurer, ordered that the policy was rescinded, ordered the insured to reimburse the client $1.9 million in defense and indemnity costs, and also dismissed the bad faith counter-claim. The insured appealed to the 9th Circuit Court of Appeals, which upheld the trial court's decision in the client's favor.
Ms. Ramos works with County Board of Elections to monitor polling stations during local, state and national elections.
Areas of Practice
- California, 1996
- U.S. District Court Central District of California
- U.S. District Court Eastern District of California
- U.S. District Court Northern District of California
- U.S. District Court Southern District of California
- U.S. Court of Appeals 9th Circuit
- Stanford Law School, Stanford, California
- J.D. - 1996
- Law Review: Stanford Law & Policy Review, Senior Article Editor
- University of California, San Diego, California
- B.A. - 1992
- Honors: Provost Honor List
- Major: Urban Studies & Planning
Professional Associations and Memberships
- State Bar of California, Member
- Los Angeles County Bar Association, Member