About The Author — Yusuf Nurudeen Ayodele (B.Sc., AAT, ACA) is a Chartered Accountant with over 15 years in financial and insurance services, including regulatory compliance work in the Nigerian insurance market. He researches U.S. insurance case law, court filings, and state statutes from primary sources — cited inline in every article — to help policyholders understand how bad-faith claims are actually decided. Yusuf is not a licensed U.S. attorney, and nothing on this site is legal advice. For guidance specific to your own claim, consult a licensed attorney in your state. Spotted something that needs a correction, or have a topic you'd like covered? Reach out through our Contact page.