When you purchase an insurance policy whether it is a life insurance policy, a homeowner’s insurance policy, an auto insurance policy or any other type of policy, you are entitled to the full benefits of the policy if you have a covered claim. If the insurance company refuses to pay or delays your payment you may have a bad faith insurance claim. Unfortunately, insurance companies are always looking for reasons to deny your claim. So, keep in mind that the insurance adjuster is not your friend. Things you say in good faith, can be used against you.