Bad faith protection ranking

If you believe your insurance company has acted in bad faith, what are your options? It varies a lot by state. In some states your only realistic move is a breach-of-contract lawsuit. Others let you (or require you to) get help from the state insurance department first, and several stack statutory penalties and one-way attorney's fees on top. This tool ranks how strong each state's protections are for individual home, auto, and property policyholders — and shows what's behind each ranking.

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About this rubric

Each state is scored 0–10 on every factor below, with short explainers for each level so you can see the reasoning. The overall ranking is a weighted blend of those scores — only the ratio of weights matters, so doubling everything changes nothing. Re-weight any factor or tweak any level value to fit your own framing. Sources and per-state citations live in METHODOLOGY.md.

Default-weighted ranking

#	State	Score	Δ	Tier	Cluster