INSURANCE BAD FAITH DEMAND LETTER – VIRGINIA

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 of all benefits owed under the above-referenced policy.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – VIRGINIA REMEDIES

Breach of Contract

Insurer has breached the insurance contract by failing to pay covered benefits.

Note: Virginia does not recognize a common law tort of first-party bad faith. Va. Code § 38.2-510 (Unfair Claim Settlement Practices) does not provide a private right of action.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Consequential damages
• Interest and costs

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]