Your insurance policy is a contract. It sets out your premiums and the risks and scale of payment for those risks. If your insurer is straying too far from the policy terms, the company is probably not acting with good faith in performing the company’s contractual duty of good faith.
If the insurance company tries to accuse, pressure, or threaten you to sign an agreement or else you’ll face a claim denial, it’s a potential bad faith tactic that may result in less compensation than you’re owed. Don’t accept blame. Let an attorney review your situation.
If the insurance company is misrepresenting the facts of your policy, it could be a sign of bad faith. However, if they make mistaken references to old laws or the wrong lines of your policy, you may need an attorney’s help to communicate the facts to your insurer.