When you purchase an insurance policy and pay your monthly premiums, you expect your insurer to honor claims when you suffer a loss. One of insurance’s greatest benefits is supposed to be the peace of mind it purchases — the knowledge insurance protects you during life’s most traumatic events. The duty of good faith and fair dealing is implied in every Arizona insurance policy. However, not all insurance companies live up to their contractual agreements. When the insurer unreasonably or willfully denies benefits on a valid claim, under an existing and enforceable Arizona policy, they are guilty of insurance bad faith.