Insurance Bad Faith
What matters
A coverage disagreement, slow response, or low offer is not automatically bad faith. The policy, duties, communications, investigation, and state law all matter.
Records to gather
- Complete policy and endorsements
- Claim diary and all written communications
- Requests for information and proof of delivery
Questions to answer
- What contractual duty is disputed?
- What reason did the insurer give?
- Which regulator complaint or court remedy is actually available?
Avoid this mistake
Using the label without identifying the policy duty and supporting conduct can obscure the real coverage issue.
Keep the state question visible
Choose a stateProcedure, definitions, coverage, and deadlines can change by jurisdiction.
Primary sources to check
Begin with the current statute text, the relevant court's rules and filing information, and any agency material tied to the defendant or insurance issue.
- USA.gov state and territory directory
- United States Courts for federal court information
- The official legislature, judiciary, and regulator for the relevant state
Source links checked August 29, 2026. A source page is a starting point; the controlling text and current court rules still need to be read.