People and busiensses purchase insurance to protect themselves from economic losses that arise from personal injury, property damage or lawsuits that result in those losses. Policyholders pay premiums for insurance. Insurance Companies owe duties to each policyholder.

Those duties include but are not limited to: 

• Duty to provide coverage
• Duty to investigate claims and uphold the terms of the policy
• Duty to promptly and fully pay any valid claims covered by the policy
• Implied Duty of good faith and fair dealing in adjusting the claim 

Insurance Companies regularly fail to uphold such duties. Although Insurance Companies owe such duties, they fail to account for their implicit bias to protect and guard their profits. Insurance Companies often engage in deceptive practices, misinterpret policy language in order to avoid paying claims.  More often than not they improperly delay resolution of claims, make arbitrary demands regarding proof of loss, use abusive tactics, fail to conduct a thorough investigation and ask insureds to contribute to settlements when they should not have to. Such actions breach the implied duty of good faith and fair dealing, and may provide grounds for a potential bad faith lawsuit.