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Insurance companies are obligated to treat their insureds with what we call "good faith and fair dealing" as they represent and handle the important affairs of dealing with the risks that they insure and the protections they allege to provide in their insurance policies. Sometimes insurance companies breach the contract of insurance that they entered into with their policyholders. Sometimes when they do so, they are without even a fairly debatable justification for doing so, and such a breach may amount to what is called "bad faith." Sometimes the bad faith of an insurance company is accompanied by another wrong doing in addition to the breach of contract.
When that occurs, the victim may be entitled to punitive damages against the insurance company. This type of case does not happen very often, but when it does, you need an experienced professional to know how the claim should be handled. You need to be able to recover the money that is owed to you under the agreement that you bought and paid for with your premium dollar. You also need to be able to recover restitution and financial compensation for any other damages you may have suffered because of the insurance company's breach of agreement.