INSURANCE BAD FAITH DEMAND LETTER – INDIANA

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. Insurer's conduct constitutes bad faith under Indiana law.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – INDIANA BAD FAITH

Indiana recognizes bad faith when an insurer denies a claim with conscious disregard of the insured's rights. Erie Ins. Co. v. Hickman, 622 N.E.2d 515 (Ind. 1993). Ind. Code § 27-4-1-4.5 prohibits unfair claims practices.

4. DAMAGES

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

5. DEADLINE

[DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]