What are the most common types of insurance disputes that arise between policyholders and insurance companies?

As a lawyer, I can tell you that the most common type of insurance disputes between policyholders and insurance companies can include the following:

1. Denial of claim: This is when an insurance company refuses to pay a claim, usually because they believe the claim is not covered by the policy. Policyholders may dispute the denial and argue that the claim should be covered under the policy.
2. Breach of contract: This occurs when the insurance company fails to fulfill its obligations under the policy, such as refusing to pay a claim that is covered under the policy. Breach of contract disputes can include issues with coverage amounts, deductibles, and policy exclusions.
3. Bad Faith: Bad faith occurs when an insurance company intentionally or negligently fails to fulfill its contractual obligations to the policyholder, such as refusing to investigate a claim in a timely and proper manner, or failing to pay a valid claim.
4. Underinsured/Uninsured Motorist Coverage: This dispute arises when the policyholder is involved in an accident with an underinsured or uninsured driver and the insurance company fails to pay the full amount of damages.
5. Disability Insurance: Disability insurance disputes may arise when an insurance company denies a claim for disability benefits or fails to pay the full amount of benefits owed to a policyholder.

It is important to note that these disputes can be complex, and the outcome will depend on the specific details of the case and the laws in the relevant jurisdiction. It is recommended to seek the advice of a licensed attorney if you are involved in an insurance dispute.