Rachel E. Hobbs


Los Angeles – Downtown, CA
D 213.615.7061


B.S., University of Illinois at Champaign-Urbana, Summa Cum Laude, Phi Beta Kappa, Bronze Tablet


Rachel E. Hobbs is a Partner in Freeman Mathis & Gary’s downtown Los Angeles office. Her practice focuses on insurance coverage and bad faith litigation. She strives to provide the best possible result for her clients, and clients appreciate her ability to resolve complex and novel issues. Ms. Hobbs specializes in personal and commercial auto insurance issues, including the required financial responsibility endorsements such as the MCS-90 and DMV-67. 

She has litigated numerous declaratory relief, bad faith and contribution cases arising from catastrophic trucking and auto accidents nationwide. Ms. Hobbs also handles examinations under oath, uninsured/underinsured motorist issues, coverage opinions and reservation of rights letters. In addition, Ms. Hobbs has broad-based experience with Commercial General Liability coverage, having litigated numerous coverage and bad faith cases arising from construction defect, entertainment, and business disputes. 

Ms. Hobbs has also handled first-party coverage issues and litigation involving commercial and residential properties, including litigation arising out of the California wildfires. Ms. Hobbs is admitted to all the federal district courts in California. At the appellate level, she has obtained more than 15 published cases in the California Courts of Appeal, California Supreme Court and Ninth Circuit. Among these are watershed decisions regarding the application of the attorney-client privilege to an insurer’s intra-corporate communications and an insurer’s right to reimbursement of defense costs paid under a reservation of rights but never owed. Ms. Hobbs is a graduate of the University of Illinois at Champaign-Urbana (B.S.). She received her law degree from the University of California, Los Angeles (J.D.). In her free time, she enjoys hiking, volunteering, and traveling.

Bar Admissions


Publications & Engagements
  • Endorsements and Insurance for Truckers – Property Casualty 360 – February 2016; Scope of
  • Duty to Protect Against Child Predators – Los Angeles Daily Journal – June 2015; Federal Court in Missouri Holds that Each Fax in a TCPA Blast-Fax Case Triggers a Separate $1,000 Per-Claim
  • Deductible, Insurer Owes No Duty to Indemnify as a Matter of Law – FC&S Legal – June 2014;
  • Courts Muddle Scope of Disparagement Coverage, Los Angeles Daily Journal – January 2013


Representative Cases & Clients
  • Scottsdale Ins. Co. v. MV Transportation (2005) 36 Cal.4th 643; Western
  • Heritage Ins. Co. v. Superior Court (Parks) (2011) 199 Cal.App.4th 1196;
  • Zurich American Ins. Co. v. Superior Court (2007) 155 Cal.App.4th 1485;
  • National Cas. Co. v. Sovereign General Ins. Services, Inc. (2006) 137 Cal.App.4th 812;
  • Scottsdale Ins. Co. v. State Farm Mut. Auto. Ins. Co. (2005) 130 Cal.App.4th 890;
  • O’Hearn v. Hillcrest Gym and Fitness Center, Inc.,115 Cal.App.4th 491;
  •  Insua v. Scottsdale Ins. Co. (2002) 104 Cal.App.4th 737;
  • Construction Protective Services, Inc. v. TIG Specialty Ins. Co. (2002) 29 Cal.4th 189, 57 P.3d 372;
  •  Najah v. Scottsdale (2014) 230 Cal.App.4th 125;
  • Scottsdale Ins. Co. v. Addison Ins. Co. (2014 Mo. en banc) 448 S.W.3d 818;
  • Haering v. Topa Insurance Company (2016) 244 Cal.App.4th 725;
  • Swigart v. Bruno (2017) 13 Cal.App.5th 529;
  • Doe v. United States Youth Soccer (2017) 8 Cal.App.5th 1118;
  • Valdez v. Nautilus Ins. Co. (2017) 2017 WL 3149599;
  • Thee Sombero, Inc. v. Scottsdale Ins. Co. (2018) 28 Cal.App.5th 729;
  • Nautilus Ins. Co. v. Mingione (2019) 2019 WL 2315003;
  • Cohen v. Berkley National Ins. Co. (2019) 773 Fed.Appx. 907.
  • LACBA,
  • Appellate Courts Section
  • Amicus Committee


Awards and Recognition

  • Super Lawyers Magazine 2013-2017, 2019-2024
Classes/Seminars Taught
  • MCS-90 Seminar for Claims Adjusters, In-house MCLE for lawyers regarding legal research and appellate brief-writing