Consumer, Government & Legal Organization Resources

At the Law Firm of Critton, Luttier & Coleman, we strive to inform each of our clients about their legal rights and entitlements. Each of our attorneys is always willing to answer clients’ questions and address concerns about various legal matters and rights. This helps not only educate our clients but also ensure that they are well informed and able to understand the counsel and their legal representative.

Below are several FAQs to help our current clients and potential clients gain a general understanding of their personal claim, rights and/or case. However, we invite you to call us directly for specific and/or follow-up questions.

What is General Civil Litigation?

General Civil Litigation, as the name implies, applies to a broad range of laws and the associated litigation of civil law. Civil law is designed to settle disputes between individuals, organizations, associations, business entities, etc. General civil litigation defines the legal status of each party without criminal action and usually includes some sort of compensation for the plaintiff. The plaintiff is the person that files a pleading or files a complaint against the defendant. A dispute or complaint is normally settled by a lawsuit in which the plaintiff seeks reimbursement for damages, reparations for a Breach of Contract, compensation for injuries, business disputes, or a host of other issues involving reward, punitive damages, or contract violations to be decided by civil court proceedings.

What is Insurance Bad Faith Litigation?

Bad faith insurance litigation is an option for people who have suffered losses due to an insurance company’s bad faith practice(s). Many types of insurance have been the subject of bad faith insurance litigation, including: life insurance, disability insurance, auto/boat/RV insurance, business insurance, health insurance, and property insurance. In recent years, bad faith insurance litigation has increased on par with the proliferation of bad faith insurance dealings. Examples include: Demand exhaustive and unreasonable documentation from a policyholder; Decline to conduct a thorough investigation of a claim; Claim to have lost or never received pertinent information; Declare that information was not received in a timely manner; Assert that a valid claim is not covered, or provide any number of other excuses to wrongfully deny or obstruct a legitimate claim; and Pay only partial benefits rather than full benefits.

What is Uninsured Motorist Coverage and do I need it?

Underinsured Motorist coverage (UM) protects drivers when the other driver either doesn’t have enough auto insurance or none at all. UM insurance is especially good to have in Florida as the state does not require motorists to carry bodily injury coverage. UM is the flipside to Bodily Injury (BI) insurance. In other states, the two are fairly different. In Florida, we’ve simplified it so that if the person who hit you is uninsured or simply underinsured, it won’t matter. As a result, BI insurance will cover you if you hurt somebody else…but what happens to you if the person who hits you doesn’t have BI insurance and is fairly poor and can’t pay a judgment? That’s where UM comes in to play.

What is Personal Injury Protection (PIP) and why is it so important?

PIP is the law in Florida – a no-fault state – and therefore the minimum requirement to operate a vehicle. PIP is a guaranteed health insurance policy for a person who is injured in an automobile accident. When a person is injured in an automobile accident , if they do not have regular health insurance but they have PIP insurance, they are guaranteed $10,000 of health insurance less the deductible they have chosen. In other words, the person injured is guaranteed $10,000 worth of health benefits.

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