INSURANCE BAD FAITH DEMAND LETTER – MISSISSIPPI
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 Mississippi law.
2. FACTUAL BACKGROUND
- Date of Loss: [DATE] — [describe loss]
- Coverage: [$LIMITS]
- Status: [Unpaid / Underpaid / Denied]
3. LEGAL BASIS – MISSISSIPPI BAD FAITH
Bad Faith Standard
Mississippi recognizes first-party bad faith when an insurer acts with gross negligence, malice, or reckless disregard for the rights of the insured. Andrew Jackson Life Ins. Co. v. Williams, 566 So. 2d 1172 (Miss. 1990).
Unfair Claims Settlement Practices (Miss. Code Ann. § 83-5-29)
Mississippi prohibits unfair claims practices including unreasonable delays and denials without investigation.
4. DAMAGES
- Policy benefits: [$AMOUNT]
- Consequential and emotional distress damages
- Punitive damages for gross negligence, malice, or reckless disregard
- Attorney's fees and costs
5. DEADLINE
Payment due by: [DATE – 30 days]
Signed:
[Name / Attorney]
[Contact Information]