R. Wardell Loveland

R. Wardell Loveland

Redwood City, California

Ward's practice involves a broad spectrum of litigation, appellate representation and insurance services, including administrative proceedings.


Ward represents defendants in class action suits, insurers in insurance bad faith actions, and businesses in a variety of matters, primarily involving contractual disputes.

In class action and multi-district (MDL) matters, Ward primarily represents insurers in the defense of lawsuits arising out of claims handling and business practices. He has successfully defended to judgment matters including auto body labor rates, computer-based claims evaluation tools, total loss valuation, policy interpretation, and claims and business processes.

Ward has defended bad faith lawsuits since the day he passed the bar exam 30 years ago.  He has successfully defended lawsuits involving property and casualty, commercial, and life insurance.  He also defends agents and brokers in suits involving broker negligence, fraud and misrepresentation.


Ward’s appellate practice primarily involves the defense of insurers in actions arising out of business practices and claims handling.  Ward has been retained on a number of occasions to prepare amicus briefing on issues affecting the insurance industry.  He also represents businesses and individuals in various courts of appeal. His recent published decisions include:

Mills v. AAA NCNU, 3 Cal. App. 5th 528 (2016)

·        Decision affirming and defining proper scope of cancellation notice

Baldwin v. AAA NCNU, 1 Cal. App. 5th 545 (2016)

·        Decision affirming diminution in value and total loss valuation controlled solely by terms of policy provisions

Dameron Hospital Association v. AAA NCNU, 229 Cal. App. 4th 514 (2014)

·        Decision affirming that hospitals cannot “balance bill” insurers or insureds for treatment absent written agreement with health insurer

Insurance Services

Prior to joining CHD, Ward represented state agencies, drafting statutes and regulations, responding to information requests, and representing them in litigated matters.  Using this experience, Ward represents and advises insurers in administrative proceedings and litigation in California and throughout the country.  This also includes drafting responses to inquiries from Insurance Commissioners and their agencies and preventing and challenging adverse findings.

In addition to representing insurers in administrative proceedings and litigation, Ward advises regarding pending legislation and regulations, including drafting submissions and revisions to them.  Ward drafts and reviews claims and business practice guidelines in order to ensure regulatory compliance.  He also navigates insurers into and through new economy issues such as user based insurance (UBI), transportation network companies (TNC), the sharing economy for vehicles and homes, and drones (UAV).


Areas of Practice

  • Appellate
  • Insurance Law and Services
  • Business Law and Litigation

Bar Admissions

  • California, 1987
  • U.S. Supreme Court
  • U.S. Court of Appeals 9th Circuit
  • U.S. District Court Northern District of California
  • U.S. District Court Eastern District of California
  • U.S. District Court Central District of California
  • U.S. District Court Southern District of California


  • Boston College Law School, Boston, Massachusetts
    • J.D., Doctor of Jurisprudence - 1986
  • Princeton University, Princeton, New Jersey
    • A.B. - 1981

Published Works

  • Lead Author of the book of California Insurance Defense Forms, published by The Recorder

Honors and Awards

  • AV-rated
  • California Super Lawyers Selected for inclusion, numerous years

Professional Associations and Memberships

  • Association of Defense Counsel of Northern California and Nevada
  • California Fraud Investigators Association
  • American Bar Association
  • Defense Research Institute
  • San Mateo County Bar Association