Plaintiffs Amanda and Sean Barry brought this action against Mrs. Barry's insurer, Defendant Nationwide Mutual Insurance Company and, after amending their complaint on December 7, 2017, now assert two Counts. (See Am. Compl., ECF No. 17.) In Count I, Plaintiffs allege that Defendant breached its insurance contract with Mrs. Barry, and in Count II, Plaintiffs allege that Defendant failed to act in good faith in handling her claim in violation of Maryland Code (2013 Repl. Vol.), § 3-1701 of the Courts and Judicial Procedures Article. (Id. ) Before the Court is Defendant's motion to dismiss Count II under Federal Rule of Civil Procedure 12(b)(6). (See Mot. Dismiss, ECF No. 19). Plaintiffs have responded in opposition (ECF No. 21) and Defendant has replied (see Am. Reply, Line Filing Ex. 1, ECF No. 23-1).1 The motion is therefore ripe for review, and there is no need for a hearing to resolve the matter. See Local Rule 105.6 (D. Md. 2016). Plaintiff has sufficiently stated a claim for failure to act in good faith, and therefore Defendant's motion will be denied by accompanying order.
I. Background
Amanda Barry was injured on July 27, 2014 when Jamil Beale crashed into her *828vehicle in Baltimore City. (Am. Compl. ¶¶ 5-9.) As a result of this crash, Mrs. Barry suffered various harms, including "a hand fracture, lost wages, and loss of consortium." (Id. ¶ 9.) Mr. Beale was insured by GEICO Insurance Company ("GEICO") at $30,000 per person/$60,000 per occurrence. (Id. ¶ 10.) GEICO offered Mrs. Barry the full policy limits of Mr. Beale's policy, i.e. $30,000, as a settlement. (Id. ¶ 11.) Mrs. Barry and her husband Sean Barry (collectively, "Plaintiffs") had an insurance policy with Nationwide Mutual Insurance Company ("Defendant") which included $100,000 in uninsured motorist ("UIM") insurance. (Id. ¶ 14; see Insurance Policy 8, Am. Compl. Ex. 1, ECF No. 17-2.) On August 12, 2016, Plaintiffs' counsel sent Defendant notice of the settlement offer and requested permission to accept it. (Id. ¶ 11; Section 19-511 letter, Am. Compl. Ex. 2, ECF No. 17-3.) Under Maryland Code (2017 Repl. Vol.), § 19-511 of the Insurance Article (" Section 19-511"), if an insurer offers a settlement to a victim that would exhaust the insurance policy, and if the victim has UIM insurance, the victim must send notice of that settlement to her UIM insurance provider. See Md. Code Ann. Ins. Art. § 19-511(b). The UIM insurance provider must then respond, within sixty days, either consenting to the acceptance of that settlement offer or refusing to consent to such offer. Id. § 19-511(c).
It was not until November 30, 2016, over 100 days after receipt of Plaintiffs' counsel's letter (the " Section 19-511 letter"),2 that Defendant responded to Plaintiffs' counsel. (Am. Compl. ¶ 12; November 30 letter, Am. Compl. Ex. 3, ECF No. 17-4.) In this letter, Defendant's agent permitted Plaintiffs' counsel to accept the settlement offer. (See November 30 letter.)3 Defendant's agent also introduced herself, and stated that she was handling the claim. (Id. ) At some point, Plaintiff requested that Defendant pay out the entire $100,000 policy. (See id. ¶ 34.) On December 22, 2016 Defendant offered Mrs. Barry $33,924.00, and "refused to negotiate further." (Id. ) Defendant "did not dispute any of the injuries, medical treatment, bills or lost wages," and did not provide "any explanation or supporting documentation to justify [its] evaluation." (Id. )
On March 17, 2017, Mrs. Barry filed a complaint with the Maryland Insurance Administration ("MIA"), alleging that Defendant had failed to act in good faith in handling her claim. (Am. Compl. ¶ 23.) On May 8, 2017 the MIA found that Defendant did not breach its contract with Mrs. Barry and Defendant had not failed to act in good faith. (Id. ¶ 24.)4 Plaintiffs filed *829this action against Defendant in the Circuit Court for Baltimore City on July 3, 2017, asserting breach of contract and lack of good faith. (See Notice of Removal, ECF No. 1; Compl., ECF No. 2.) Defendant was served process on October 6, 2017 and removed the case to this Court on October 27. (See Notice of Removal.) After Defendant filed a motion to dismiss, Plaintiffs amended their complaint and Defendant filed a second motion to dismiss Count II of the Amended Complaint, which purports to state a claim for failure to act in good faith. (See Mot. Dismiss.) Defendant has answered Count I. (See Answer, ECF No. 20.) Defendant's motion has been fully briefed and is now properly before the Court.
II. Standard for Motion to Dismiss
A complaint must contain "sufficient factual matter, accepted as true, to 'state a claim to relief that is plausible on its face.' " Ashcroft v. Iqbal , 556 U.S. 662, 678, 129 S.Ct. 1937, 173 L.Ed.2d 868 (2009) (quoting Bell Atlantic Corp. v. Twombly , 550 U.S. 544, 570, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007) ). Facial plausibility exists "when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." Iqbal , 556 U.S. at 678, 129 S.Ct. 1937. An inference of a mere possibility of misconduct is not sufficient to support a plausible claim. Id. at 679, 129 S.Ct. 1937. As the Twombly opinion stated, "Factual allegations must be enough to raise a right to relief above the speculative level." 550 U.S. at 555, 127 S.Ct. 1955. "A pleading that offers 'labels and conclusions' or 'a formulaic recitation of the elements of a cause of action will not do.' ... Nor does a complaint suffice if it tenders 'naked assertion[s]' devoid of 'further factual enhancement.' " Iqbal , 556 U.S. at 678, 129 S.Ct. 1937 (quoting Twombly , 550 U.S. at 555, 557, 127 S.Ct. 1955 ). Although when considering a motion to dismiss a court must accept as true all factual allegations in the complaint, this principle does not apply to legal conclusions couched as factual allegations. Twombly , 550 U.S. at 555, 127 S.Ct. 1955.
III. Analysis
Maryland provides a special cause of action for lack of good faith by a property, casualty, or individual disability insurer in handling claims under insurance policies issued, sold, or delivered in Maryland. See Md. Code Ann. Cts. & Jud. Proc. § 3-1701(b). In order to bring such a claim in court, the insured must first exhaust her administrative remedies by bringing the claim against the insurer before the MIA. Md. Code Ann. Ins. § 27-1001(d) ; Bierman Family Farm, LLC v. United Farm Family Ins. Co. , 265 F.Supp.3d 633, 637-38 (D. Md. 2017).5
A claim for lack of good faith is as it sounds: an insured alleges that an insurer did not act in good faith when it handled her insurance claim. "Good faith" is defined in the statute as "an informed judgment based on honesty and diligence supported by evidence the insurer knew or should have known at the time the insurer made a decision on a claim." Md. Code Ann. Cts. & Jud. Proc. § 3-1701(a)(4). This definition is only so specific, and "[c]ases construing section 3-1701's good-faith standard are sparse." All Class Constr., LLC v. Mutual Ben. Ins. Co. , 3 F.Supp.3d 409, 416 (D. Md. 2014). Luckily, the instant *830dispute does not require a full exposition of this standard, as the Court can suffice with a few basic principles.
First, the standard of good faith is judged under the "totality of the circumstances," including the following factors:
[ (1) ] efforts or measures taken by the insurer to resolve the coverage dispute promptly or in such a way as to limit any potential prejudice to the insureds; [ (2) ] the substance of the coverage dispute or the weight of legal authority on the coverage issue; [and] [ (3) ] the insurer's diligence and thoroughness in investigating the facts specifically pertinent to coverage.
All Class Const., LLC , 3 F.Supp.3d at 416 (alterations in the original) (quoting Cecilia Schwaber Trust Two v. Hartford Acc. and Indem. Co. , 636 F.Supp.2d 481, 486-87 (D. Md. 2009) ). Second, delay in handling a claim generally cannot serve as the sole basis for a lack of good faith claim. See Md. Code Ann. Cts. & Jud. Proc. § 3-1701(f). However, delay in handling a claim can serve as the sole basis for such a claim when the insurer does not act "within the time period specified by statute or regulation for investigation of a claim." Id. To be clear, delay beyond a statutory or regulatory time period is not per se lack of good faith under the statute. The statute simply proscribes finding a lack of good faith on the sole basis of delay when that delay does not extend beyond a statutory or regulatory timeline. Finally, an allegation that an insurer has failed to pay policy benefits cannot serve as the sole basis for a lack of good faith claim. See Bierman , 265 F.Supp.3d at 638. This is because "[i]t is well-settled under Maryland law that an insured claiming that an insurer has failed to pay policy benefits may only pursue contract remedies." Id. (collecting cases). An allegation of breach of contract is therefore a necessary but not sufficient condition for a lack of good faith claim. An insured must prove that an insurer breached the insurance contract in order to bring a lack of good faith claim, see Schwaber , 636 F.Supp.2d at 488 n.6, but the insured must prove more than simply breach of contract to prevail, see Bierman , 265 F.Supp.3d at 638. With these principles in mind the Court can turn to Defendant's arguments as to why Plaintiffs' claim should be dismissed.
Defendant makes two arguments, and both fail for the same reason: Defendant misunderstands the text of the statute as well as the text of Plaintiffs' complaint. Defendant, citing the statute that creates a cause of action for lack of good faith, Maryland Code (2013 Repl. Vol.), § 3-1701 of the Courts and Judicial Proceedings Article (" Section 3-1701"), first argues that delay cannot serve as the basis for a lack of good faith claim. (See Mot. Dismiss. Mem. Supp. 4, ECF No. 19-1.) This is an incorrect interpretation of the statute. It may be true that delay, alone, will rarely serve as the sole basis for a lack of good faith claim, because a finding of lack of good faith rests on a totality of the circumstances, and an insurer's procrastination, without more, might rarely be egregious enough for a jury to find a lack of good faith. But the statute only forbids a finding of lack of good faith on the sole basis of delay when the delay does not extend beyond a statutory or regulatory time period. See Md. Code. Cts. & Jud. Proc. § 3-1701(f). Plaintiffs here contend that Defendant failed to respond to their Section 19-511 letter within sixty days, as mandated by Section 19-511(c). Therefore, under the plain language of Section 3-1701(f), the Defendant's delay can serve as the sole basis for a lack of good faith claim because its delay did extend beyond a statutory time period. That language does not mean the Defendant's delay here is per se lack of good faith. It simply means that if Plaintiffs asserted only such delay as the *831basis for their claim, a finding in their favor would not be prohibited by this statute.
But that is not the only allegation Plaintiffs assert as the basis for lack of good faith. In addition to Defendant's delay, Plaintiffs allege, inter alia , that Defendant paid insufficient benefits without disputing the nature or cost of Mrs. Barry's injuries or providing an explanation, and that Defendant refused to negotiate. (Am. Compl. ¶ 34.) Thus, in addition to misunderstanding the statute, Defendant's argument here fails in part because it misunderstands the amended complaint. Even if Defendant had been dilatory without crossing any statutory or regulatory tripwire, such delay could still be considered by a factfinder in assessing a lack of good faith, because the delay alleged here is not the sole basis for a finding of lack of good faith.
Defendant presents another argument in an attempt to remove its alleged delay from this litigation, and this argument dabbles in misinterpretation of another statutory provision. Section 19-511 provides the sixty-day statutory time frame that Defendant allegedly surpassed, making its delay potential sole fodder for a lack of good faith claim under Section 3-1701. Defendant argues that Section 19-511 cannot implicate Section 3-1701 because Section 19-511 provides an "exclusive remedy": once an insurer has failed to respond to the insured within sixty days that simply means the insured is free to accept the settlement offer. (See Am. Reply 3, ECF No. 23-1 (quoting Md. Code Ann. Ins. § 19-511(f).) Defendant is half right. Under Section 19-511(f) an insured is free to accept a settlement offer if an insurer fails to respond within sixty days, but that relief for the insured does not overcome the strength of the drafter's command in Section 19-511(c) : "Within 60 days of receipt of the notice ... the uninsured motorist insurer shall send to the injured person [written consent or refusal]." (emphasis added). "Shall" creates a "time period specified by statute or regulation for investigation of a claim by an insurer" under Section 3-1701(f), not a suggestion of a time period. If Defendant failed to respond within that time period, which, at this motion to dismiss stage the Court assumes it did, then its delay could serve as the sole basis for a finding of lack of good faith under Section 3-1701(f). Furthermore, this issue is somewhat irrelevant given the fact that, as stated above, delay is not the sole basis for Plaintiffs' claim. And it is just such an additional basis that brings us to Defendant's second argument in favor of dismissal.
Defendant's second argument, beyond the purported inapplicability of delay in Plaintiffs' claim, is the purported inapplicability of Defendant's failure to pay benefits to Plaintiffs' claim. (See Mot. Dismiss Mem. Supp. at 5-6.) Essentially, Defendant contends that, absent the claims of delay, Plaintiffs' only allegation that could serve as the basis for a lack of good faith claim is that they asked for $100,000 but Defendant only offered $33,924. This allegation, Defendant's correctly note, cannot serve as the sole basis for a finding of lack of good faith. See Bierman , 265 F.Supp.3d at 638. Defendant, however, again misreads the applicable statute and Plaintiffs' complaint.
First, Defendant appears to engage in a tortured reading of Section 3-1701(f) in order to argue that a disagreement over the "extent of payment" cannot serve as the basis of a lack of good faith claim. (See Mot. Dismiss Mem. Supp. at 5.) Section 3-1701(f) states in full:
Insurer's action within prescribed time period is not failure to act in good faith. An insurer may not be found to have failed to act in good faith under this *832section solely on the basis of delay in determining coverage or the extent of payment to which the insured is entitled if the insurer acted within the time period specified by statute or regulation for investigation of a claim by an insurer.
Defendant, according to a parenthetical, reads that language as: "An insurer may not be found to have failed to act in good faith under this section solely on the basis of ... the extent of payment to which the insured is entitled ...." (Mot. Dismiss Mem. Supp. at 5 (omissions in the original) (quoting Md. Code Ann., Cts & Jud. Proc. § 3-1701(f) ).) This reading conveniently leaves out the operative phrase, "delay in determining." This section, as its heading makes clear, removes delay as the sole basis for a determination of lack of good faith, when such delay does not violate another statute or regulation. Thus, an insurer may not be found to have failed to act in good faith under Section 3-1701 solely on the basis of delay in determining the "extent of payment" to which the insured is entitled. If disagreement over "the extent of payment to which the insured is entitled" cannot, itself, serve as the sole basis for a lack of good faith claim, as Defendant argues, that law must come from someplace else; Section 3-1701(f) does not do such work for the Defendant.
Maryland case law, however, does. See Bierman , 265 F.Supp.3d at 638. "It is well-settled under Maryland law that an insured claiming that an insurer has failed to pay policy benefits may only pursue contract remedies." Id. (collecting cases). So, if Plaintiffs' sole ground for their lack of good faith claim was that Defendant did not pay sufficient policy benefits, their claim would be dismissed under Rule 12(b)(6). Again, however, that is not the sole ground for their claim. Plaintiffs are not alleging that Mrs. Barry demanded X amount of money, Defendant only paid Y, and therefore Defendant failed to act in good faith. Plaintiffs allege that Defendant did not act in good faith as shown by, inter alia , its dilatory responses, failure to properly explain its coverage offer, failure to negotiate, and failure to pay the amount of money Plaintiff requested. Assuming such allegations are proven, these may be sufficient for a factfinder to find that Defendant did not act in good faith in handling Mrs. Barry's UIM claim. See Schwaber , 636 F.Supp.2d at 486-87 (quoting State Farm Mut. Auto. Ins. Co. v. Laforet , 658 So.2d 55, 63 (Fla. 1995) ) (stating that a lack of good faith is a totality of the circumstances review, taking into account "measures taken by the insurer to resolve the coverage dispute promptly ... [and] the substance of the coverage dispute ... [and] the insurer's diligence and thoroughness in investigating the facts").
To summarize, the Court finds that Plaintiffs have stated sufficient allegations to present a lack of good faith in handling their UIM claim, and therefore survive the Defendant's motion to dismiss under Rule 12(b)(6). This is not to say that Plaintiffs have stated such a claim in expert fashion. There is much in Plaintiffs' complaint that is conclusory and confusing. It states that the MIA found Defendant had failed to act in good faith, when it appears that the opposite is true. (Compare Am. Compl. ¶ 24 with Opp'n Mem. Supp. 3, ECF No. 21-1.) It alleges that "Nationwide has acted in bad faith by failing to make a timely and informed judgment based upon honesty and diligence supported by evidence that it had when it evaluated the Plaintiff's [sic] claim," which amounts to a thinly veiled rewording of the statutory definition. (Am. Compl. ¶ 28.) It states that "[u]nder § 27-1001, a claim for failure to act in good faith may involve either an allegation of improper denial of coverage OR the failure to pay the full value of a claim"; an allegation that states a legal conclusion (poorly, as it fails to even point the Court to a specific provision of Section 27-1001 ) and suggests, confusingly, that a *833claim could not include both an improper denial of coverage and a failure to pay the full value of a claim, which, if it is true and has any relevance at all, would seem to undercut Plaintiffs' case. (See id. ¶ 28.) Plaintiffs allege that "Nationwide failed to take any action regarding the Plaintiffs' claim from December 15, 2015 until November 14, 2016" but nowhere explain what happened on December 15, 2015. (Id. ¶ 30.) Plaintiffs' allege that Defendant violated Code of Maryland Regulations § 31.15.07.04(B), which requires insurers to provide a status update of a claim every forty-five days. (See id. ¶ 31.) But it is unclear which claim Defendant allegedly failed to provide a status update for, or even the alleged date upon which any claim was filed.6
Most troublingly, the Amended Complaint is unclear as to who is suing the Defendant. The Plaintiffs caption their amended complaint as "Amanda and Sean Barry, Plaintiffs v. Nationwide Mutual Insurance Company, Defendant." (Am. Compl. p. 1.) But the introduction states, "The Plaintiff, Amanda Barry, by and through her attorneys ... files suit against the Defendant ...." (Id. (emphasis added).) Mr. Barry is not mentioned. Under "JURISDICTION," the amended complaint alleges that "Plaintiffs are husband and wife and residents of Towson, Maryland," but then in the "FACTS COMMON TO ALL COUNTS" section Mr. Barry does not make an appearance. (Id. at 1-3.) The most serious omission is Mr. Barry's absence from the amended complaint's prayers for relief. Count I concludes "WHEREFORE, the Plaintiff, Amanda Barry, demand [sic] judgment against Defendant, Nationwide Mutual Insurance Company, in an amount in excess of Seventy-Five Thousand Dollars ($75,000.00)." (Id. at p. 5 (emphasis in the original).) Count II's prayer is similar, except it does not even hint (through subject and verb disagreement) that there is another party lurking in this case. (See id. at p. 8) ("WHEREFORE, the Plaintiff, Amanda Barry, demands judgment against the Defendant ...." (second emphasis added).)
Under different circumstances, these glaring omissions would prompt the Court to sua sponte dismiss Mr. Barry as a party in this case, but the Court will restrain from such a measure for two reasons. First, the Court will always construe pleadings "so as to do justice," Fed. R. Civ. P. 8(e), and there are just enough allegations in the amended complaint to make it at least somewhat apparent that Mr. Barry is a party, is requesting relief, and that his absence from so much of the amended complaint is just so much sloppy drafting. In addition to the inclusion of Mr. Barry in the caption, the amended complaint does allege that "Plaintiffs have an automobile insurance policy," that "Defendant is therefore liable to the Plaintiffs " and that "Plaintiffs ... are entitled to be paid by the Defendant." (Am. Compl. ¶¶ 14, 16-17 (emphasis added).) Furthermore, the complaint does allege that both *834Mrs. and Mr. Barry submitted a claim to Defendant, and therefore it follows that any impropriety by Defendant in handling this claim would result in harm to both Mrs. and Mr. Barry. (See id. ¶ 18 (referring to "Plaintiffs' § 19-511 letter"); id. ¶ 19 (referencing "Amanda Barry and Sean Barry's loss of consortium claim").) Second, one of the "major functions" of a pleading is to "giv[e] notice of the nature of a claim or defense." 5 Charles Alan Wright & Arthur R. Miller, Fed. Prac. & Proc. Civ. § 1202 (3d ed.). And it appears from the Defendant's answer, motion to dismiss, and reply, that Defendant is on notice that Mr. Barry is a party in this action and requesting relief. Defendant has nowhere challenged Mr. Barry's presence in this litigation, nor mentioned the aforementioned omissions and inconsistencies in Plaintiffs' amended complaint.7 For these reasons the Court will not sua sponte dismiss Mr. Barry from this action, despite Plaintiffs' counsel's numerous drafting errors.
Ultimately, despite these many pleading errors, the amended complaint would put Defendant on notice of at least the following: that (according to Plaintiffs) Plaintiffs filed some insurance complaint (at least a UIM claim) and were not provided a status report, that Plaintiffs notified Defendant of a settlement offer from GEICO and Defendant did not respond within sixty days, that Defendant did not pay out as much as Mrs. Barry requested, even though it did not dispute Mrs. Barry's calculations, and that Defendant did not provide a sufficient explanation of its payment decision nor did it negotiate further with Mrs. Barry.8 It is not the job of the Court at this early stage to determine whether Defendant did in fact fail to act in good faith. Rather, it is the job of the Court to determine whether, drawing all inferences in Plaintiffs' favor, the Plaintiffs have stated allegations that, if proven true, could constitute a lack of good faith. Despite the amended complaint's many failings, the Court finds that they have.
IV. Conclusion
Plaintiffs have stated sufficient plausible allegations to state a claim for lack of good faith under Maryland law. Accordingly, Defendant's motion to dismiss Count II of Plaintiffs' complaint will be denied by accompanying order.