“Bad faith.” If these words were uttered in a pleading in La., Miss., or any other Gulf state prior to the arrival of the now infamous 2004 Florida hurricanes—as well as the 2005 monsters, Katrina and Rita, in Miss. and La.—then the lawyer filing this rare claim in a lawsuit usually made sure he or she had an egregious set of facts to substantiate the claims in the lawsuit.

Further, regardless of how egregious the facts, a defense attorney would, in most cases, read the words “bad faith,” and promptly jump out of his or her chair, picking up the phone immediately to have a nice little conversation with the plaintiff’s lawyer.

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