Bad faith is used to refer to the intentional or malicious refusal to perform a duty or contractual obligation or to cause fraud or deception.

Insurance bad faith practices can include:

  • Refusal to investigate claims thoroughly, properly, and in a timely manner
  • Unreasonable delay in payment / slow payment, or stall tactics
  • Refusal to pay the full value of a claim
  • Unreasonable claim denials
  • Unreasonable interpretation of policy language

Unfortunately, insurance claim adjusters often find their hands tied — limited by restrictive claims processing guidelines designed to cut costs and increase profits for the insurance company. In these cases, adjusters have neither the authority nor the support to timely and fairly process a claim. Insurers may use various tactics to avoid prompt or full payment, or to justify a claim denied — even to the point of engaging in bad faith claim practices.


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If you feel you may be the victim of bad faith, contact Merlin Law Group today for a free consultation.

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