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Civil Remedies; Creating a rebuttable presumption that a lodestar fee is a sufficient and reasonable attorney fee in most civil actions; reducing the statute of limitations for negligence actions; providing standards for bad faith actions; providing for the distribution of proceeds when two or more third-party claims arising out of a single occurrence exceed policy limits; providing standards for the admissibility of evidence to prove the cost of damages for medical expenses in certain civil actions; requiring the trier of fact to consider the fault of certain persons who contribute to an injury, etc.