INSURANCE BAD FAITH DEMAND LETTER – OKLAHOMA

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 Oklahoma law.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – OKLAHOMA BAD FAITH

Bad Faith Standard

Oklahoma recognizes first-party bad faith. Christian v. American Home Assurance Co., 577 P.2d 899 (Okla. 1978). An insurer acts in bad faith when it unreasonably delays or withholds payment.

Unfair Claims Settlement Practices (36 Okl. St. § 1250.5)

Oklahoma prohibits unfair claims practices.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Consequential and emotional distress damages
• Punitive damages
• Attorney's fees and costs

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]