Q: Is there ever an instance where insurance bad faith is not an intentional act, but just the ineptitude of the people who work there?
In Nevada, insurance bad faith does not need to be intentional. You don’t need to prove that your insurance company intended to harm you through bad faith conduct. You only need to prove that that your insurance company deliberately failed to engage in reasonable conduct.
While they don’t need to have an intent to harm, their conduct needs to be such that it results in harm.
For example, an insurance company may have a corporate practice of only asking for certain information during the policy application process, but when it comes to a claim, they ignore the information that they have received from their insured initially.