Have you ever heard the term "bad faith claim" and weren't quite sure what it meant? In short, this concept describes situations where insurance companies don't fulfill their policy obligation to you to its full ability. This can mean that they aren't timely in processing your claim, aren't fully investigating the claim, or aren't paying you properly for your claim. Each state is slightly different in how it identifies, processes, and frames bad faith claims.
Insurance "bad faith" legal claims may be more common than you think! In our office, we unfortunately see many instances where insurance companies do not act "in good faith". What this simply means is that insurance companies can't try and find ways to get out of paying or investigating a claim for you. If they do this, they are acting "in bad faith". There are many ways in which an insurance company can be acting in bad faith, but some of the more common ways include: