You pay insurance premiums expecting protection, but insurers sometimes put profits ahead of policyholders. Washington provides strong remedies when an insurer acts in bad faith, including under the Insurance Fair Conduct Act (IFCA).
What Bad Faith Looks Like
Bad faith can include unreasonable claim denials, failure to investigate, unjustified delays, and lowball offers made without a reasonable basis. Insurers owe policyholders a duty of good faith and fair dealing.
Both first-party (your own insurer) and third-party situations can give rise to bad-faith exposure.
The Insurance Fair Conduct Act
Washington's IFCA (RCW 48.30.015) allows first-party claimants who are unreasonably denied coverage or benefits to seek significant remedies, including potential treble damages and attorney fees.
This gives Washington policyholders meaningful leverage against unfair insurer conduct.
Holding Insurers Accountable
Documenting the insurer's conduct — communications, delays, and denials — is important to a bad-faith claim. The remedies can substantially exceed the original claim value.
If your insurer is treating you unfairly in Washington, a free case review can explain your options.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Washington attorney.