David F. Hauge

Partner
“A decades-long career dedicated to the insurance space has taught me this: effective counsel isn’t just about knowing the rules—it’s about understanding the industry well enough to shape them.”

David Hauge draws on decades of experience in the insurance industry to help carriers and brokers navigate regulatory scrutiny, transactional complexity, and operational risk. His advice is grounded in deep institutional knowledge, informed judgment, and a firsthand understanding of how insurers work.

Having served as general counsel and later as a commercial lines executive at a national insurer, David brings a rare dual perspective to his practice. Clients count on him to deliver pragmatic guidance on compliance challenges, class action exposure, regulatory exams, and insurance transactions. His counsel is always shaped by business priorities and a keen awareness of what’s at stake.

David advises on rate filings, licensing, market conduct exams, and investigations involving premium disputes and unfair practices. He is a seasoned negotiator with insurance departments across the country and a valued partner to companies navigating acquisitions, reinsurance conflicts, or administrative inquiries.

In addition to his advisory and litigation work, David has been retained as an expert witness, mediator, and outside general counsel. His long-view perspective and steady hand have made him a trusted figure in the industry.

Associated Industries

Insurance

Associated Practice Areas

Regulatory & Administrative Law

Representative Matters

  • Agent/Broker Licensing: Successfully defended insurance brokerage in connection with the denial of its application to the Department of Insurance for a California Non-Resident Broker License based on a prior felony plea by its owner. Mitigating evidence, including multiple character witnesses, introduced at the hearing on an order to show cause led to a ruling in favor of the brokerage and issuance of the license sought.
  • California Department of Insurance Litigation: Filed a writ of mandate on behalf of several trade associations challenging the authority of the California Department of Insurance to promulgate regulations imposing examination fees on California insurers, which led to a successful motion for summary judgment that resulted in the withdrawal of the regulations.
  • Class Action Defense: Teamed with other M&R lawyers to successfully defend seven insurance company clients in King v. National General Insurance Company, et al., in which the United States District Court for the Northern District of California stayed a case of first impression alleging violations of “good driver discount” laws, finding that fundamental issues in the litigation – specifically, determination of Super Group exemption and Affinity Group status – should be addressed by the Department of Insurance pursuant to the primary jurisdiction doctrine.
  • Class Action Defense: Successfully defended an insurance broker in connection with a California Department of Insurance order to show cause and related Business & Professions Code 17200 class action lawsuit alleging illegal broker fees in the amount of $3 million. Obtained a dismissal of the class action without costs, as well as a minimal settlement with the CDI.
  • Class Action Defense: Participated in joint defense group in A.R. v. Aegis (2001) 92 Cal. App 4th 886, a class action alleging improper homeowner rates charged by a number of insurers in California. Case was resolved by way of a successful demurrer without leave to amend the complaint.
  • Class Action Defense: Participated in joint defense group in Walker v. Allstate Indemnity Co., et al. (2000) 77 Cal App. 4th 750, alleging insurers charged improper automobile insurance rates. Case was resolved by way of a successful demurrer without leave to amend the complaint, a decision that was upheld on appeal as set forth in a published opinion often used as precedent to support an insurer’s defense of litigation challenging the viability of premiums.
  • Expert Witness: Retained as an expert witness and offered testimony regarding the appropriateness of an insurance company in settling a disputed claim, which specifically led to a favorable resolution for the insurer.
  • Expert Witness: Retained as an expert on California Fair Claim Practices Regulations and California Insurance Code 790.03 and offered testimony regarding an automotive repair company’s practices in repairing an automobile that was the subject of an insurance claim. Testimony led to a significantly reduced and favorable settlement for the company.
  • Premium Payments: Successfully prosecuted and settled case alleging fraudulent conversion of premium payments brought on behalf of a major life insurer against a California nonprofit that served as third-party administrator to process premiums for certain city employees.
  • Proposition 103 Appeal: Represented several insurers required to roll back premiums as the result of the passage of Proposition 103, which significantly changed the way insurance rates in California were regulated. During extended litigation, appealed a superior court order that led to a published opinion in RLI Ins. Co. v. Superior Court (California Department of Insurance) (1996) 51 Cal. App. 4th 415, (1996), in which the appellate court authorized an unprecedented motion to compel discovery against the Department of Insurance. Success on appeal led to a favorable settlement on behalf of insurance company clients.

Credentials

Bar & Court Admissions
  • California
  • Illinois
  • Oklahoma
  • U.S. Supreme Court
  • U.S. District Court for the Central District of California
  • U.S. District Court for the Northern District of Illinois
Professional Affiliations
  • California Bar Association (Insurance Law Committee)
Community Involvement
  • Children’s Hunger Fund (Past Chairman of the Board)
  • Off the Front
  • Spirit of Women Fresno
Education
  • University of Tulsa School of Law, J.D.
  • San Diego State University, B.A.