This is an instance in which an insurance company, has acted in a manner, or taken action relative to your policy or benefits, that is not in keeping with the mutual understanding of the agreement you had.
The failure of an insurance company to deal fairly with its insured.
An allegation that insurers have failed to act in a manner consistent with what a reasonable policyholder would have expected.
A breach of contract, on the part of either the insured or the insurer.
A charge against the insurance company that they have not acted in a way that is consistent to the way a reasonable policyholder would have expected.