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A bad faith claim is brought against your insurance company for refusal, wrongful refusal that is, to pay a valid claim. So, you’re entitled to the contract, or what you had contracted for, as part of your damages and then you may be entitled to punitive damages. If a court finds that the insurance company has acted in bad faith, then you’re entitled to present a bad faith jury instruction to the jury, which entitles you to collect punitive damages from the company who has wrongfully denied your coverage. We take those kind of cases and we bring these insurance companies to task because that type of situation is not unusual.