What damages can I recover from insurance bad faith?

Insurance bad faith damages extend beyond policy benefits to compensate for harm caused by improper claims handling. Contract damages include full policy benefits wrongfully denied or delayed. Consequential damages cover losses flowing from breach like foreclosure or bankruptcy. Emotional distress compensation addresses anxiety, humiliation, and relationship strain. Economic losses include credit damage, lost business opportunities, and forced asset sales. Punitive damages punish egregious conduct and deter industry practices. Attorney fees shift to insurers when bad faith forces litigation. Interest accrues on delayed payments from when benefits were due. Loss of life enjoyment compensates for stress-induced lifestyle changes. Medical expenses for stress-related conditions link to bad faith conduct. Lost wages from time managing wrongful claim denials add damages. Damage multipliers in some states double or triple certain awards. Institutional bad faith may support larger punitive awards. Corporate financial evidence determines appropriate punishment levels. Tax consequences affect damage structuring for optimal recovery. Understanding comprehensive bad faith damages ensures full compensation beyond simple policy benefits.

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