As investors into an insurance policy, insured individuals should be able to trust that their insurance company will offer coverage according to agreement being paid for. However, it is not always that insurance companies really can be completely trusted. They do deny claims fairly and logically often times, but they also make unfair judgments at times also. As an insured person, it is important to be aware of what the insurance agreement entails, and that you are entitled to fair coverage under the law. In cases when an insured person actually is denied coverage unfairly, it is known as bad faith. Other than filing a complaint with the state Department of Insurance, it is also advisable for insured persons who feel they have been victims of bad faith to consider contacting a lawyer to initiate a lawsuit.