INSURANCE BAD FAITH DEMAND LETTER – CONNECTICUT

To: [Insurance Company Name, Claims Department Address]
From: [Insured/Claimant Name, via Counsel if applicable]
Date: [DATE]
Claim Number: [CLAIM NUMBER]
Policy Number: [POLICY NUMBER]
Insured: [INSURED NAME]
Date of Loss: [DATE OF LOSS]
Type of Coverage: [Coverage Type]

1. INTRODUCTION AND PURPOSE

This letter constitutes a formal demand to [INSURANCE COMPANY] ("Insurer") for immediate payment of all benefits owed. Insurer's conduct violates the Connecticut Unfair Insurance Practices Act (CUIPA) and the Connecticut Unfair Trade Practices Act (CUTPA).

2. FACTUAL BACKGROUND

• Date of Loss: [DATE] — [describe loss]
• Timely Notice: Provided on [DATE]
• Cooperation: Full cooperation provided
• Coverage: Covered loss with limits of [$LIMITS]

3. CLAIM HISTORY AND INSURER'S CONDUCT

• [DATE]: Claim submitted
• [DATE]: [Describe delays, denials, or misconduct]
• Current status: [Unpaid / Underpaid / Denied]

4. LEGAL BASIS – CONNECTICUT BAD FAITH

CUIPA (Conn. Gen. Stat. § 38a-816)

CUIPA prohibits unfair claim settlement practices, including:
- Misrepresenting policy provisions;
- Failing to acknowledge claims promptly;
- Failing to affirm or deny coverage within reasonable time;
- Not attempting good faith settlement when liability is clear;
- Compelling litigation through lowball offers.

CUTPA (Conn. Gen. Stat. § 42-110a et seq.)

CUIPA violations that form a pattern or practice are actionable under CUTPA, which provides:
- Actual damages;
- Punitive damages;
- Attorney's fees and costs.

5. DAMAGES

Insured demands:
- Policy benefits: [$AMOUNT]
- Total Demand: [$AMOUNT]

If litigation required:
- CUTPA damages including punitive damages
- Attorney's fees and costs

6. DEMAND AND DEADLINE

Deadline: [DATE – 30 days]

Failure to pay will result in litigation under breach of contract and CUTPA.

7. PRESERVATION NOTICE

Preserve all claim file documents and communications.

8. ATTACHMENTS

• Exhibit A: Policy declarations
• Exhibit B: Loss documentation
• Exhibit C: Correspondence history

Signed:
[Name / Attorney]
[Contact Information]