A shareholder of Downs & Stanford, P.C., Ms. Lout’s legal experience spans over thirty years in civil litigation. Ms. Lout, known as “Fran”, is an experienced insurance defense attorney. She practices throughout Texas representing insurance carriers, employers, self-insureds, and political subdivisions in workers’ compensation cases. Fran began her career as an educator, teaching elementary school for a decade. In 1988, she received a Juris Doctor from Southern Methodist University and immediately began her legal career in insurance defense. She is a highly sought advocate who provides aggressive representation of carriers, governmental entities, and large employers. Fran presents legal seminars for clients on topics pertaining to workers’ compensation claims, compliance issues, and current case law. Her enthusiasm for the practice of law is evident and confirmed by many clients.