INSURANCE BAD FAITH DEMAND LETTER – KENTUCKY

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 violates Kentucky's Unfair Claims Settlement Practices Act.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – KENTUCKY BAD FAITH

KRS § 304.12-230 (Unfair Claims Settlement Practices Act) prohibits unfair claim practices and provides a private right of action. Remedies include actual damages and reasonable attorney's fees.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Actual damages from delay/denial
• Attorney's fees under KRS § 304.12-235
• Costs

5. DEADLINE

[DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]