INSURANCE BAD FAITH DEMAND LETTER – WISCONSIN

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 Wisconsin law.

2. FACTUAL BACKGROUND

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

3. LEGAL BASIS – WISCONSIN BAD FAITH

First-Party Bad Faith

Wisconsin recognizes first-party bad faith. Anderson v. Continental Ins. Co., 85 Wis. 2d 675 (1978).

Unfair Trade Practices (Wis. Stat. § 628.34)

Wisconsin prohibits unfair claims settlement practices.

4. DAMAGES

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

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]