Emotional distress claims against insurance companies arise when policyholders experience significant emotional harm due to the insurer's negligent or intentional misconduct. Such claims often involve bad faith practices like unjustly denying claims or delaying payments. To succeed, plaintiffs must provide substantial evidence showing the insurer's actions directly caused severe emotional distress. These cases are complex and require careful legal navigation, making consultation with a legal professional essential to evaluate the validity and strength of the claim.