What the CRN must include
- Specific statutory violation alleged
- Specific facts supporting the violation
- Specific policy language at issue
- Amount of monetary demand
The 60-day cure window
Carrier has 60 days from CRN filing to pay the demand or cure the alleged violation. If it does, the bad-faith claim generally dies. If it does not, the bad-faith action proceeds.
When a CRN makes sense
- Carrier has failed to investigate
- Carrier has lowballed a well-documented claim
- Carrier has delayed without explanation
- Carrier has denied in bad faith