Insurance bad faith or a claims practice case is the unfair conduct of an insurance company in denying or delaying an insurance claim that is clearly owed by the insurance company. Outright denying a claim is not the only unfair conduct that can lead to a bad faith case. Unreasonable delay in payment or partial payment could also constitute bad faith.
There are many reasons an insurance company may use unfair or unreasonable claims practices when adjusting a case. Many people do not have the legal guidance necessary to call an insurance company out on their unfair conduct, and so insurance companies often get away with it. These companies are playing a numbers game because they know that many of the insureds (usually their clients that they promise to protect) just go away after one or two rejections of the claims.
Remember, you paid your premiums faithfully with the understanding that your insurance would be there for you when you need them. You deserve an attorney on your side so that the insurance company cannot get away with any unfair or unreasonable conduct on your claim.