INSURANCE BAD FAITH DEMAND LETTER – MAINE

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]
Claim Type: [First-Party / UM-UIM / Property]

1. INTRODUCTION

This letter demands immediate payment of all benefits owed. Insurer's handling of this claim constitutes bad faith under Maine law.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – MAINE BAD FAITH

Implied Covenant of Good Faith

Maine recognizes that insurers owe a duty of good faith and fair dealing to their insureds. Unreasonable denial or delay in payment may constitute bad faith.

Unfair Claims Settlement Practices (24-A M.R.S. § 2436)

Maine's Unfair Claims Settlement Practices Act prohibits:
- Misrepresenting policy provisions;
- Failing to acknowledge claims promptly;
- Failing to adopt reasonable investigation standards;
- Denying claims without reasonable investigation.

4. DAMAGES

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

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]

SENT VIA CERTIFIED MAIL