Both the liability insurance company for the defendants and your own insurance carrier are required to negotiate in good faith. Some examples of bad faith actions include: Not promptly investigating your claim Not promptly inspecting your vehicles Not responding to telephone calls, emails, and letters Making demands for documents they already have or can easily obtain on their own Refusing to make a settlement offer that is consistent with other similar cases and injuries Making settlement offers they know are much less than the claim is worth Asserting legal arguments about coverage or liability that aren’t true Switching insurance adjusters to delay responding to your claim Asserting medical positions they know are unwarranted Refusing to disclose the policy limits Refusing to supply relevant documents