| name | bad-faith-demand |
| title | Time-Limited Policy Limits Demand |
| description | Drafts time-limited policy-limits demand letters that create an opportunity-to-settle record for third-party bad faith exposure. Use when the user mentions time-limited demand, policy limits demand, bad faith notice, Stowers demand, civil remedy notice, failure to settle demand, excess exposure letter, insurer settlement opportunity, or needs help with acceptance mechanics for a policy-limits offer. Also trigger for Georgia O.C.G.A. § 9-11-67.1 compliance, Florida statutory bad faith prerequisites, or documenting insurer refusal to settle. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/bad-faith-demand |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | insurance |
| language | en |
Time-Limited Policy Limits Demand
Produces a defensible time-limited settlement demand with clear acceptance mechanics, sourced damages, and jurisdiction-aware bad faith framing. A single procedural defect (ambiguous acceptance, missing statutory requirement, sloppy deadline) can destroy the bad faith claim.
ATTORNEY REVIEW REQUIRED — Always require attorney review before sending.
Pre-Draft Intake
Gather before drafting (skip only if user says "use defaults"):
- Jurisdiction and posture — state; pre-suit / in suit / pre-post discovery
- Insurer identifiers — claim number, policy number, adjuster, all insureds
- Liability evidence — reports, photos, witness statements, citations
- Damages proof — medical records/bills, wage loss, prognosis, future care
- Policy limits — confirmed amount or plan to confirm
- Lien status — health insurer, Medicare/Medicaid, ERISA, hospital, workers' comp
- Settlement authority — confirmed from client on amount and release scope
Defaults if user skips: pre-suit posture; full limits demand; standard BI release of named insured; response window marked [VERIFY JURISDICTION]; professional tone.
Stop and request if settlement authority or policy limits are missing.
Workflow
1. Map Jurisdictional Requirements
- Identify theory: common-law failure-to-settle, statutory bad faith, unfair claims practices
- Verify notice/cure requirements, service methods, required content
- Flag unverified legal statements as
[VERIFY]
- If statutory notice required (e.g., FL Civ. Remedy Notice), draft separately unless statute allows integration
2. Draft Liability Narrative
- 5-10 sentences, evidence-cited
- Address obvious defenses and comparative fault
- Tie liability clarity to foreseeable excess exposure
- Must be defensible if read to a jury — do not overstate
3. Present Damages Exposure
- Itemized specials with documentation references
- Permanency and future care with source support
- Plausible verdict range rationale; mark unsourced research
[VERIFY]
- Ground excess-exposure argument in actual numbers
4. Structure Offer Terms
- Clear, unequivocal offer within limits or specified amount
