INSURANCE BAD FAITH DEMAND LETTER – NEVADA

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 Nevada's Unfair Claims Practices Act.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – NEVADA BAD FAITH

Unfair Claims Practices (NRS § 686A.310)

Nevada law prohibits unfair claims settlement practices, including:
- Misrepresenting policy provisions;
- Failing to acknowledge claims promptly;
- Failing to adopt reasonable investigation standards;
- Not attempting good faith settlement when liability is clear.

Common Law Bad Faith

Nevada recognizes bad faith as a tort. United Fire Ins. Co. v. McClelland, 105 Nev. 504 (1989).

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Consequential and emotional distress damages
• Punitive damages for oppression, fraud, or malice
• Attorney's fees and costs

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]