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Asked 4 months ago - Miami, FL
FlagPRO SE FILED COMPLAINT AGAINST DRIVER AND INSURER . HOWEVER , SF 627 . 4136 SAYS CAUSE OF ACTION ONLY AGAINST INSURED . FIRST OBTAIN VERDICT OR SETTLEMENT AGAINST INSURED IS A CONDITION PRECEDENT OF A CAUSE OF ACTION AGAINST A LIABILITY INSURER .
If I understand the facts, the correct thing to do would be to take a Voluntary Dismissal without Prejudice against the carrier before the hearing.
Florida has a non-joinder statute which prohibits naming the carrier until a judgment is entered against its insured. Taking the dismissal without prejudice enables you to move to join when and if a judgment is obtained against the insured.
Caution: a second voluntary dismissal acts as an adjudication on the merits and bars another re-file.
You should consult a local atty to help you on this case. You will likely lose the MSJ and it appears you should take other steps to avoid the hearing. the other side is represented by experienced attys whose job is to blow you and your case out of the water any way possible. That means they will try to trip you up procedurally too. It is hard to acquire the knowledge and expertise to represent oneself in this situation.
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