INSURANCE BAD FAITH DEMAND LETTER – MISSOURI

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. Continued vexatious refusal to pay exposes Insurer to statutory penalties under Missouri law.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – MISSOURI BAD FAITH

Vexatious Refusal to Pay (Mo. Rev. Stat. § 375.420)

If an insurer vexatiously refuses to pay a claim, the court may award:
- Damages not to exceed 20% of the first $1,500 of the loss; plus
- 10% of the amount in excess of $1,500; plus
- Reasonable attorney's fees.

A refusal is vexatious if it is without reasonable cause or excuse.

Unfair Claims Practices (Mo. Rev. Stat. § 375.1000 et seq.)

Missouri prohibits unfair claims settlement practices.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Vexatious refusal penalty (§ 375.420)
• Reasonable attorney's fees
• Interest and costs

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]