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Bad Faith.
Simply put, Bad Faith is when an insurance company does not do what they promised to do. Here’s an article that gives a good example of it. One of the frustrating things about Bad Faith is that there are usually plenty of PEOPLE in these companies that want to do the right thing, but they get over run by the company’s greed for PROFITS. Don’t get me wrong, I believe that insurers should make some profit. But they shouldn’t cheat their policy holders to do it.