Under Florida law, Bad Faith litigation is clearly premature and subject to dismissal when two things have not yet happened: (1) Coverage has been determined and (2) The Insured's Loss, i.e., Damages, have been determined too. When time remains for premature issues to ripen into issues subject to review, it has been held that dismissal in such a case should ordinarily be without prejudice. Denis v. Commerce Insurance Co., Download Denis v. Commerce Insurance Co. (S.D. Fla. Case No. 09.21198 Opinion Filed Feb. 3, 2010), also published as 2010 WL 374769 *1-*2 (S.D. Fla. February 3, 2010)(Hoeveler, Senior District Judge)(Westlaw subscription required to access Westlaw).
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