Your insurance company has an obligation to fairly consider your interests and compensate you according to the loss you have suffered within the limits of your insurance policy. If the insurance company considers its own best interest, and you suffer losses as a result, you have a right to sue your own insurance company for bad faith.
Motor Vehicle Accident Bad Faith:
If you have been in a car, truck, or motorcycle accident and are suffering from a personal injury and your insurance company has acted unreasonably or unfairly in settling your claim, you may be a victim of insurance bad faith.
Personal Property Bad Faith:
Likewise, if you have suffered significant damage by fire, flood, ice, or wind to your home or place of business, your insurance company may only offer a fraction of the amount of money it will take to repair the damage. Insurance companies are motivated to pay as little as possible, so you will need a lawyer if you wish to recover the full value of your loss.
In order to prove bad faith, your attorney will have to prove that your insurance company acted unreasonably in the adjustment of your claim. This will be a complex process of litigation, and for optimum results it is essential that you hire an attorney with many years of experience in working directly with insurance companies.