Pursuant to section 624.155(3)(a) of the Florida Statutes, an insured has a right to file a bad-faith cause of action if his or her carrier violates enumerated statutory provisions.1 Before filing such an action, however, the insured must meet three requirements:
1 There must be a determination of the insurer’s liability for coverage.
2 There must be a determination of the extent of the insured’s damages.
3 The insured must provide notice to the carrier by filing a Civil Remedy Notice (“CRN”) with Florida’s Department of Financial Services.2
Before the determination of liability and coverage, can an insured file a CRN?