Insurance policyholders in West Virginia enter into insurance contracts with their insurance companies with the expectation that the companies will pay for property damage and personal injuries under certain circumstances as long as the policyholders keep up with their premiums. Insurance companies have a duty to uphold their contractual obligations when their insureds fulfill their end of the bargain by making timely premium payments. Unfortunately, however, some insurance companies aggressively try to avoid paying claims by exercising bad faith to unfairly deny or delay valid claims. When this occurs, a policyholder has the right to pursue a bad faith insurance claim against the insurance company to recover damages.