See the full video at https://rumble.com/viecd1-some-grounds-for-finding-bad-faith.html and at https://youtu.be/-8nMKYvZfyY  Unexplained delays in communication
When an insured asks a question to his insurer, an answer is expected. An insurance company must respond to all inquiries quickly and under no circumstances later than 15 days. If an insured person submits proof of loss that the insurer has agreed to and asks "when can I expect to be paid?" The insurer should respond with specificity immediately. Most policies and government regulations require payment within 30 calendar days of agreement to proof of loss. If the question is ignored and the payment is not made, after the insurer has approved the proof of loss, the insurer breaks the agreement and if it without good reason, the bond of good faith and fair trade. Often, bad faith is just the difference between politeness and lack of politeness.
An insurance company will not be able to deny coverage where all the relevant facts were known to the insurer from the beginning, but it delayed unreasonably to assert a basis. for disclaimer. An unexplained delay of two months can be found to be unreasonable in the disclaimer. When the insurer waited even longer, with an unexplained delay of about a year, before mentioning two new reasons for disclaimer, the court found the insurer's actions to be unreasonable by law. [ Allstate Ins. Co. v. Gross 27 NY2d 263, 269-270) and Mendoza v. American Country Ins. Co., 19 AD3d 300, 797 NYS2d 492, 2005 NY Slip Op 5432 (NY App. Div., 2005).]
The insurer's delayed request for information
The insurance adjuster knows better than an insured what is needed to prove a claim. If, for example, the adjuster does not request proof of loss, documentation to support a claim or the insured's sworn testimony during an examination under oath, up to months after the loss, the delay in request may upset the insured and lead to accusations of breach of contract and bad faith.
Lack of residence authority
Delays in conciliation
© 2021 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to serving as an insurance consultant specializing in insurance coverage, insurance claims and insurance fraud almost equal for insurers and policyholders He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance business. He is available at http://www.zalma.com and email@example.com.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 53 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become professionals in insurance claims.
Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Zalma on Twitter at https://twitter.com/bzalma ; Go to Barry Zalma videos on Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the library for insurance claims – https://zalma.com/blog/insurance-claims-  bibliotek / Read posts from Barry Zalma at https://parler.com/profile / Hymn / post; and the last two issues of ZIFL at https://zalma.com/zalmas-insurance-fraud-letter-2/ podcast now available at https://podcasts.apple.com/us/podcast/zalma-on -insurance / id1509583809? uo = 4