The short answer
You can sue your own insurer for breach of contract and bad faith when they unreasonably deny, delay investigation, or offer a lowball settlement. Bad-faith damages include the underlying claim value, attorneys' fees, and in some states punitive damages. Third-party claimants against another driver's insurer have narrower rights.
Frequently asked
- What's the statute of limitations?
- Contract claims 3–6 years, bad faith 1–4 years depending on state. Preserve evidence early.
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