What obligations does an insurer have in dealing with a first party claim?

MultiRegion, United States of America

The following excerpt is from Casey v. Metropolitan Life Ins. Co., 688 F. Supp.2d 1086 (E.D. Cal. 2010):

The implied covenant of good faith and fair dealing in first party cases obligates the insurer: (1) to make a thorough and prompt investigation of the insured's claim for benefits; and (2) not to unreasonably delay or withhold payment of benefits. See Silberg v. California Life Ins. Co., 11 Cal.3d 452, 461-462, 113 Cal.Rptr. 711, 717, 521 P.2d 1103 (1974).

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