Auto insurance companies have a legal duty to act in good faith. Simply put, they must treat you fairly and reasonably. They operate in “bad faith” when they don’t uphold their duty to act in good faith. It’s against the law in the U.S. for insurance carriers to use bad faith tactics. However, it’s essential to recognize what constitutes bad faith and what doesn’t. Sometimes, insurance adjusters can be disrespectful, impatient, and downright mean. Even though these are rude and inappropriate behaviors, they are not bad faith actions. Unfortunately, many insurance companies train their adjusters to negotiate aggressively. Remember that they are representing their employer (that is in business to make a profit) and attempting to protect their best interests. However, if the adjuster isn’t honest in their negotiations, doesn’t return your calls, or won’t offer a reasonable settlement, they might be participating in bad faith practices.