For example, an insurance company employee who goes through the motions of investigating your claim while privately intending to deny it from the very start might never tell an explicit "lie", but is definitely acting in bad faith: they're asking you questions, demanding evidence, _&c._ in order to _make it look like_ there's some relationship between you proving that the loss occurred, and you getting paid—whereas in reality, you're just not going to be paid.
For example, an insurance company employee who goes through the motions of investigating your claim while privately intending to deny it from the very start might never tell an explicit "lie", but is definitely acting in bad faith: they're asking you questions, demanding evidence, _&c._ in order to _make it look like_ there's some relationship between you proving that the loss occurred, and you getting paid—whereas in reality, you're just not going to be paid.