There’s an implied duty of good faith and fair dealing and every insurance policy. The insurance company has a duty to act in good faith to protect their insured. This duty includes tendering the policy limits on an insurance policy to the injured party when liability is clear and damages exceed the policy limits if the insurance company fails to act reasonably in good faith and instead delays payment denies payment or fails to pay in that case. The insurance company can be exposed to unlimited liability for your injuries. The insurance company should perform a proper investigation to determine the extent of the injuries. They can’t simply turn a blind eye or play dumb. An insurance company should act in good faith. If you’re in an accident, make sure you speak with an experienced attorney who understands the complexities of bad faith.