Evidence of bad faith can vary widely but typically includes documentation and communication that demonstrate the insurer's failure to act in good faith. This might include:
Correspondence from the insurer that unjustly denies a claim or fails to provide a valid reason for claim denial or delay.
Internal notes or memos from the insurer's adjusters or investigators that suggest a lack of thorough investigation or a predetermined decision to deny a claim.
Records of prolonged delays in claim processing without reasonable cause, including failure to respond to communications or to make a decision on a claim.
Testimonies or affidavits from former employees or experts that indicate a pattern of bad faith practices within the insurance company.
Comparison of the policy terms with the insurer's reasons for claim denial or lowball offers, showing inconsistencies or misinterpretations by the insurer.