In a successful bad faith claim, you may be entitled to:

The amount of the original claim.

Additional damages for emotional distress and inconvenience.

Punitive damages to punish the insurer for its misconduct.

Attorney’s fees and court costs.

Yes, you can file a lawsuit if you believe your insurance company has acted in bad faith. An attorney can help you gather evidence, file the necessary paperwork, and represent you in court.

If you suspect bad faith, you should:

Document all communications with the insurance company.

Keep copies of all correspondence and claim-related documents.

Contact an attorney who specializes in insurance bad faith claims to evaluate your case and advise you on the next steps.

Signs of bad faith include:

Denying coverage without a valid reason.

Misrepresenting policy terms to avoid paying a claim.

Delaying the investigation or payment of a claim without justification.

Offering a settlement that is significantly lower than the claim’s value.

Failing to communicate promptly or adequately with the policyholder.

Insurance bad faith occurs when an insurance company fails to fulfill its obligations to its policyholders in a fair and honest manner. This can include denying a valid claim, delaying payment without a reasonable basis, or offering an unreasonably low settlement.