State-by-State Bad Faith Law Comparison
Michigan is one of eight states in the country that has no private cause of action against a policyholders’ insurance company if they operate in bad faith.
State | UCSPA | Bad Faith | 1st Party | 3rd Party | Emotional Distress | Attorney Fees | Punitive |
---|---|---|---|---|---|---|---|
Alabama | No | Yes | Common Law | Yes | Yes | No | Yes |
Alaska | Yes | Yes | Common Law | Yes | Yes | Yes | Yes |
Arizona | Yes* | Yes | Common Law | Yes | Yes | Yes | Yes |
Arkansas | Yes* | Yes | Common Law | Yes | No | Yes | Yes |
California | Yes | Yes | Common Law | Yes | Yes | Yes | Yes |
Colorado | Yes | Yes | Common Law | Yes | Yes | Partial | Yes |
Connecticut | Yes* | Yes | Common Law | Yes | Yes | Yes | Yes |
Delaware | Yes* | Yes | Statutory | Partial | No | Yes | Yes |
District of Columbia | No | No | No | No | No | No | No |
Florida | Yes* | No | No | Yes | Yes | Yes | No |
Georgia | Yes* | Yes | Statutory | No | No | Yes | Yes |
Hawaii | Yes* | Yes | Common Law | Yes | Yes | Yes | Yes |
Idaho | Yes* | Yes | Common Law | Yes | Yes | Yes | Yes |
Illinois | Yes* | Yes | Statutory | No | No | Yes | No |
Indiana | Yes* | Yes | Common Law | Yes | Yes | No | Yes |
Iowa | No | Yes | Common Law | Yes | Yes | Yes | Yes |
Kansas | Yes* | Partial | Limited | Yes | Yes | Ues | No |
Kentucky | Yes* | Yes | Common Law | Yes | Yes | Yes | Yes |
Louisiana | Yes* | Yes | Statutory | Yes | Yes | Yes | Yes |
Maine | Yes* | Yes | Statutory | Yes | No | Yes | No |
Maryland | Yes* | Yes | Statutory | No | No | Yes | No |
Massachusetts | Yes* | Yes | Common Law | Yes | Yes | Yes | Yes |
Michigan | Yes* | No | No | Limited | No | Limited | No |
Minnesota | Yes* | Yes | Statutory | Yes | No | Yes | No |
Mississippi | No | Yes | Common Law | Limited | Yes | Yes | Yes |
Missouri | Yes | Yes | Statutory | No | Yes | Yes | |
Montana | Yes | Yes | Statutory | Yes | Yes | No | Yes |
Nebraska | Yes | No | Common Law | No | Yes | Yes | No |
Nevada | No | No | Statutory | No | Yes | Yes | Yes |
New Hampshire | Yes | No | Statutory | No | Limited | No | |
New Jersey | Yes | Yes | Common Law | Yes - limited | Yes | Yes | |
New Mexico | Yes | Yes | Statutory | Yes | Unknown | Yes | Yes |
New York | Yes | No | No | No | No | No | No |
North Carolina | Yes | Yes | Common Law | Yes | Yes | Yes | Yes |
North Dakota | Yes | Yes | Common Law | No | Yes | Yes | Yes |
Ohio | Yes | Yes | Common law | No | Yes | Yes | Yes |
Oklahoma | No | Yes | Common Law | No | Yes | Yes | Yes |
Oregon | Yes | No | No | No | Yes | Yes | Yes |
Pennsylvania | Yes | Yes | Statutory | Yes | No | Yes | Yes |
Rhode Island | Yes | Yes | Statutory | No | Yes | Yes | Yes |
South Carolina | Yes | Yes | Common Law | No | No | Yes | Yes |
South Dakota | Yes | Yes | Common Law | No | Yes | No | Yes |
Tennessee | Yes | Yes | Statutory | No | Yes | Yes | Yes |
Texas | Yes | Yes | Common Law | No | Yes | Yes | Yes |
Utah | Yes | No | No | No | Yes | Yes | Yes |
Vermont | Yes | Yes | Common Law | No | Yes | Yes | Yes |
Virginia | Yes | Yes | Statutory | No | No | Yes | No |
Washington | Yes | Yes | Statutory | No | Yes | Yes | Yes |
West Virginia | Yes | Yes | Statutory | No | Yes | Yes | Yes |
Wisconsin | Yes | Yes | Common Law | Yes | Yes | Yes | Yes |
Wyoming | Yes | Yes | Common Law | No | Yes | Yes | Yes |