At its most basic, an insurance policy is a contract. You pay your premiums on time, make an honest effort to protect whatever or whomever the policy covers, and in exchange, your insurance company agrees to evaluate your claims fairly and pay them on time.
That’s the deal. The agreement. The very minimum that they should do.
When that doesn’t happen and it appears they’re acting in dishonest and deceptive ways, your insurer is considered to be acting in bad faith. This means that you have grounds to file claim against them in civil court in an attempt to recover compensation.
Before you do that, though, it’s important to understand which kind of bad faith claim you’re going to [...]