INSURANCE BAD FAITH DEMAND LETTER – HAWAII

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]

1. INTRODUCTION

This letter demands immediate payment of all benefits owed. Insurer's conduct constitutes bad faith under Hawaii law.

2. FACTUAL BACKGROUND

• Date of Loss: [DATE] — [describe loss]
• Coverage: [$LIMITS]
• Claim Status: [Unpaid / Underpaid / Denied]

3. LEGAL BASIS – HAWAII BAD FAITH

Under Hawaii law, insurers owe a duty of good faith and fair dealing. Best Place, Inc. v. Penn Am. Ins. Co., 82 Haw. 120 (1996). HRS § 431:13-103 prohibits unfair claims practices.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Punitive damages if conduct is egregious
• Attorney's fees and costs

5. DEADLINE

[DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]