LOWER & KESNER,LLP HOME CLIENTS & VENUES PHILOSOPHY ATTORNEYS CONTACT JACK D. HOSKINS ASSOCIATE Mr. Hoskins is an associate at the firm, which specializes in workers’ compensation defense. Mr. Hoskins has experience handling all aspects of workers’ compensation defense from inception through closure, including appellate work. In his 14 years specializing in workers’ compensation defense he has had multiple “take nothing” decisions and has defended 132a and Serious & Willful Misconduct cases. In the earlier stages of his 25 year legal career Mr. Hoskins specialized in insurance defense litigation. He defended cases involving a multitude of fact scenarios that included automobile accidents, slip and falls, construction defect litigation, product liability, catastrophic injuries and wrongful death claims. During the course of his time in civil litigation he took several cases to jury trials and achieved multiple defense verdicts. Mr. Hoskins is a graduate of Southwestern University School of Law (J.D. 1991) and San Diego State University (B.S. 1988). Mr. Hoskins strongly believes in client communication and will tailor his strategy to the client’s goals. He is always aware of litigation costs and will look for a chance to bring the case to closure at all stages, if at all possible. However, he also understands that there are times when the only logical course of action is to take a case through trial. Mr. Hoskins was admitted to practice in the State of California in 1992. © 2019 by Lower & Kesner, LLP. Proudly created with Wix.com

LOWER & KESNER,LLP HOME CLIENTS & VENUES PHILOSOPHY ATTORNEYS CONTACT JEFFRY M. KARLS PARTNER Mr. Karls is a partner at the firm, which specializes in workers' compensation defense litigation. Mr. Karls has experience handling all aspects of workers' compensation defense litigation, including serious and willful misconduct and 132a claims. Mr. Karls also has experience at the trial and appellate level, including conducting oral arguments before the court of appeals on the case of Delores Pugh v. County of Los Angeles. Prior to working for Lower & Kesner, Mr. Karls was a senior associate at Pierce & Weiss. Mr. Karls also has vast experience outside of the legal field in management positions for large national corporations. Mr. Karls is a graduate of Southwestern University School of Law where he received his Juris Doctorate in May 2005 and the University of California at San Diego where he received his B.A. in 1998. Mr. Karls focuses to obtain the best outcome for the client. Mr. Karls tailors the defense of each case to the specific needs of the client. Mr. Karls pays specific attention to saving against litigation and discovery costs in assessing an overall case strategy. Mr. Karls excels in negotiating buyouts at all stages of litigation, as well as preparing a case for trial. © 2019 by Lower & Kesner, LLP. Proudly created with Wix.com