INSURANCE BAD FAITH DEMAND LETTER – OREGON

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 Oregon law.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – OREGON BAD FAITH

Unfair Claim Settlement Practices (ORS § 746.230)

Oregon prohibits unfair claims practices.

Implied Covenant

Oregon recognizes first-party bad faith under the implied covenant of good faith.

4. DAMAGES

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

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]