Tj
I would rather hear how you stuck it to them in Court. If you have a success story in fighting them, that would inspire others to not just take the insurance companies' crap at face value.
There, actually, are bad faith laws. Don't EVER trust an insurance company. If they earn it on a case by case basis, then gradually let them earn that trust, but don't give it away.
In a different, uninsured motorist case than the teenager, where the drunk that hit me with a 0.29 blood alcohol, and where the policy limits weren't even that high, my injuries were extensive including brain and spinal injuries., The claims people were making me jump through many, many hoops and, actually lied to me several times. I, actually, called the office of the CEO and offered to take the policy limits minus what I would have to pay an attorney. They, after several of my calls back because, naturally they didn't call me back, they told me that I would HAVE to hire an attorney.
I was active duty USAF, so the statute of limitations was extended while I was on active duty for civil cases. To make a very long story shorter, all tolled, they screwed me over for a total of 17 years.
They spent much more money fighting me than the policy limits would pay me, but that was because the KNEW they had committed bad faith and exposed themselves for a very large liability.
After they finally settled, they tried to get me to sign a statement that I couldn't discuss the case with anyone and that I wouldn't sue them for bad faith. I wouldn't sign it. Their attempt, actually, gave more ammunition for bad faith.
I can't talk about whether I later sued for bad faith or didn't. But, I will say that someone I know intimately, in fact, so intimately that I can, literally, read their thoughts, sued an insurance company for bad faith and received a substantial settlement.
Fortunately, I made it to retirement from the USAF, but barely, and am now disabled. I won't name the company, but figure out that I was military and there is a company that specializes in insuring military people. By the way, they have a well established reputation for treating people like this among the legal people.