INSURANCE BAD FAITH DEMAND LETTER – MONTANA

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 violates Montana's Unfair Trade Practices Act.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – MONTANA BAD FAITH

Unfair Trade Practices Act (Mont. Code Ann. § 33-18-201)

Montana provides a private right of action for unfair claims settlement practices, including:
- Misrepresenting policy provisions;
- Failing to acknowledge claims promptly;
- Failing to adopt reasonable standards for investigation;
- Refusing to pay claims without reasonable investigation;
- Not attempting good faith settlement when liability is clear.

Remedies (Mont. Code Ann. § 33-18-242)

• Actual damages;
• Reasonable attorney's fees;
• Punitive damages for egregious conduct.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Actual damages from delay/denial
• Attorney's fees under § 33-18-242
• Punitive damages

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]