INSURANCE BAD FAITH DEMAND LETTER – WASHINGTON

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 Washington's Insurance Fair Conduct Act.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – WASHINGTON BAD FAITH

Insurance Fair Conduct Act (RCW § 48.30.015)

Washington's IFCA provides a private right of action for unreasonable denial of coverage. Remedies include:
- Actual damages;
- Treble damages (if violation found);
- Attorney's fees and costs.

Consumer Protection Act (RCW Chapter 19.86)

IFCA violations may also support CPA claims.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Treble damages under IFCA
• Attorney's fees and costs

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]