Curtis L. Metzgar

Managing Director

Curt Metzgar is a fifth generation Californian, who grew up in the San Fernando Valley. Curt began his legal career in 1985 as a law clerk here at Wade & Lowe, and is now the firm’s managing director.

For over thirty years, Curt has specialized in all areas of insurance law, with a focus on third party liability coverage, declaratory relief and inter-carrier disputes. He has authored many thousands of coverage opinions in the area of liability insurance, duty to defend and indemnify, primary and excess insurance, policy limits and related issues under personal, commercial, errors and omissions, workers compensation and other types of policies. He has litigated many hundreds of declaratory relief actions and actions between carriers. He provides practical advice to insurance professionals on a daily basis on complex claim handling scenarios such as multiple claimants, policy limit demands, Cumis counsel and fee disputes, and similar matters.

Curt has handled numerous bad faith cases against insurance companies, as well as lawsuits against insurance agents. Finally, Curt has handled dozens of writs and appeals addressing a wide variety of issues.


Loyola Marymount University – B.B.A. (1982)
Loyola Law School – J.D. (1986)

Bar Admissions

California – 1986
U.S. District Court for the Central, Eastern, Southern and Northern Districts
Ninth Circuit Court of Appeals

Notable Appellate Opinions

Commercial Life Ins. Co. v. Superior Court, 47 Cal.3d 473 (1988) – California Supreme Court
Watamura v. State Farm Fire and Cas. Co., 206 Cal.App.3d 369 (1998)
Coulter v. State Farm Fire and Cas. Co., 1995 U.S.App. LEXIS 161 (9th Cir., 1991)
State Farm Fire and Cas. Co. v. Superior Court (Wright), 164 Cal.App.4th 317 (2008)
State Farm Fire and Cas. Co. v. Wier, 2012 Cal.App.Unpub. LEXIS 7842
State Farm Fire & Cas. Co. v. D&G Autosound, 2007 Cal.App.Unpub. LEXIS 10374


“Worried About Ad Injury Claims? Don’t Believe the Hype” Claims Magazine, November 2000.
“Question Coverage if Insured’s Self-Defense Isn’t an Accident” Los Angeles Daily Journal, March 29, 2006

Professional Associations

California Bar Association
Southern California Association of Defense Counsel


Occurrences and Accidents
Coverage Issues Regarding California Habitability Claims and Suits
Coverage Issues Regarding Construction Defect Claims
Coverage Issues Regarding Advertising injury Claims and Suits

Practice Areas

Insurance Coverage and Litigation
Insurance Claims Handling
Insurance Agency and Bad Faith
Writ and Appeals