Insurance companies have a duty to deal fairly with their policyholders. When an insurer unreasonably denies, delays, or underpays a valid claim, it may be acting in bad faith — and that can give rise to additional liability.
Examples of Bad Faith Conduct
- Denying a clearly valid claim without a reasonable basis.
- Unreasonably delaying payment or investigation.
- Failing to communicate or explain a denial.
- Offering far less than a claim is plainly worth.
- Misrepresenting policy terms.
Why It Matters
Bad faith primarily applies to claims against your own insurer, such as uninsured motorist or first-party coverage. When proven, it can expose the insurer to liability beyond the policy limits, including additional damages.
Keep a written record of every interaction with your insurer — dates, names, and what was said. It can be powerful evidence of bad faith.
Holding Insurers Accountable
Bad faith claims are complex and fact-specific. An attorney can evaluate whether your insurer crossed the line. A free consultation can review how you have been treated.
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