INSURANCE BAD FAITH DEMAND LETTER – MINNESOTA

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

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – MINNESOTA BAD FAITH

Implied Covenant of Good Faith

Minnesota recognizes that insurers owe a duty of good faith. Unreasonable denial or delay may give rise to a bad faith claim.

Unfair Claims Practices (Minn. Stat. § 72A.201)

Minnesota prohibits unfair claims practices, including:
- Misrepresenting policy provisions;
- Failing to acknowledge claims within 10 business days;
- Not attempting fair settlement when liability is reasonably clear;
- Compelling litigation through unreasonable conduct.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Consequential damages
• Taxable costs under Minn. Stat. § 549.21
• Attorney's fees (where applicable)

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]