My own insurance company is denying my UM/UIM claim. Is that bad faith?

My own insurance company is denying my UM/UIM claim. Is that bad faith?

Absolutely. Your own uninsured/underinsured motorist (UM/UIM) carrier owes you the same good faith duties as any other insurer. Under O.C.G.A. § 33-7-11 and the general bad faith framework, when your UM/UIM carrier denies or delays payment on a valid claim — particularly in a serious injury or wrongful death case — it may be acting in bad faith. Georgia requires UM/UIM carriers to offer at least $25,000 per person/$50,000 per accident (or an amount equal to your liability limits if you carry higher limits), and the carrier must investigate and evaluate UM/UIM claims in good faith.