If your claim denial seems unreasonable and withheld benefits due under the policy unreasonably, your insurance company potentially acted in bad faith. First, it is important to determine whether your claim denial adheres to any of the basic elements of bad faith denials:
● Your company fraudulently represented your coverage. If your insurance company officially misrepresented your coverage or withheld provisions affecting your coverage, it may result in a bad faith denial.
● Your company failed to recognize your claim at all or did not act promptly after receiving the claim.
● Your company failed to approve or deny your claim, even after you submitted adequate proof of your loss and adequate documentation of your coverage.
● Your company failed to provide you with a reasonable explanation for your denial, even after the request of written proof.
● Your company lacks published, reasonable standards for the acceptance and denial of claims.