Denial of Insurance Coverage

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Denial of Insurance Coverage Attorneys Protecting Clients’ Rights

Serving clients from offices in Nashville, Hendersonville and Knoxville, Tennessee

You were in an auto accident and you have filed a claim for the property damage and for your injuries, but your insurance company has denied your claim. What do you do next? When the insurance company denies your claim they will send you a letter in writing detailing the reason for the denial. If, after reading the letter, you don’t agree with the reasons the insurance company has given for its denial, you can request a reconsideration.

Denying your claim means more money for the insurance company if you don’t appeal their decision. You don’t have to take their denial as the final answer. You can challenge the denial with the help of a skilled Tennessee personal injury attorney from the Rocky McElhaney Law Firm. We will examine the policy and the accident report to make sure that everything is in order. If it looks to our team as if your claim was incorrectly denied we will represent you in your appeal.

Know why your claim was denied

There are a few commonplace reasons why your insurance company might deny your claim, such as:

  • You played some role in causing the accident, like
    • If the accident you were involved in could have been avoided had you acted differently
    • If you were driving under the influence at the time of the accident
    • If you did anything else that would nullify the policy coverage
  • You made a claim for uninsured motorist, but the other party did indeed have insurance
  • You failed to pay your premium on time and your policy lapsed
  • You were driving a car that you neglected to add to your insurance policy
  • Your medical records do not show that you suffered an injury in the accident
  • The amount of your claim exceeds the policy limits

One of the most important parts of a personal injury claim is the documented proof of that injury. This is why it is crucial that you visit a doctor as soon as possible. At RML, we have seen many clients whose injuries did not manifest until long after the accident took place. Because of that, the insurance company denied their claims because it said that their injuries might not have been caused by the car crash at all, and that they had no medical proof of an injury.

Work with an attorney to appeal your claim or file a lawsuit

You can try to dispute a denied claim by following the instructions in the denial letter. You will have to provide the proper documentation to support your challenge. Unfortunately, the directions are often very difficult to understand, and the insurance companies can kick back your challenge if you make even a seemingly insignificant mistake.

If you have been injured in an accident or your claim for damages has been denied by the insurance company, RML can help. Our attorneys in Nashville, Hendersonville and Knoxvilleare well-known throughout Middle and East Tennessee for their experience challenging bad faith insurance practices. If we can prove that the insurance company did not act in good faith in denying your claim, your insurer may be subject to punitive damages.

At Rocky McElhaney Law Firm we are fully aware of all of the coercive and deceptive practices that some insurance companies engage in with an eye towards preserving their bottom line, rather than protecting their customers who pay their insurance premiums that keep the companies in business. We will fight for your right to the insurance coverage you paid for.

We fight for our clients whose insurance claims have been unfairly denied

When your claim was denied after a serious car crash in Tennessee, you need an aggressive attorney who will fight for your rights to the insurance coverage you have been paying for all of these years. That’s what the Rocky McElhaney Law Firm is here for. We battle the insurance company so that you don’t have to. You can schedule a free initial consultation by calling 888.619.4765 or fill out our contact form. We keep offices in Nashville, Hendersonville and Knoxville so that we are always close when you need us.

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What Clients Say About Us

“…You are not just a number, but a name.”

"5 stars! This is the greatest Law firm I have ever seen. They make you feel like you are being taken care of and you are not just a number, but a name. They are very concerned with your every need. Rocky we love your LAW FIRM!!"

Mary T.

Rocky McElhaney Law Firm
2015-02-06T16:39:44+00:00

Mary T.

"5 stars! This is the greatest Law firm I have ever seen. They make you feel like you are being taken care of and you are not just a number, but a name. They are very concerned with your every need. Rocky we love your LAW FIRM!!"

“You and your staff again are amazing…”

"As much as I love all the "thank you's" my friend is giving me for recommending you, I of course cannot take all the credit. You and your staff again are amazing and when I can, I wil refer you always. My friend is overwhelmed (her exact words) for how well you took care of her and her daughter."

Kerry W.

Rocky McElhaney Law Firm
2015-02-06T15:32:17+00:00

Kerry W.

"As much as I love all the "thank you's" my friend is giving me for recommending you, I of course cannot take all the credit. You and your staff again are amazing and when I can, I wil refer you always. My friend is overwhelmed (her exact words) for how well you took care of her and her daughter."

“Rocky McElhaney Law Firm went above and beyond the call of duty “

"5 stars! To whom it may concern: Rocky McElhaney Law Firm went above and beyond the call of duty when it came to handling my case. Rocky McElhaney and Russell Belk were there for me 100% of the way."

Linda S.

Rocky McElhaney Law Firm
2015-02-06T15:34:24+00:00

Linda S.

"5 stars! To whom it may concern: Rocky McElhaney Law Firm went above and beyond the call of duty when it came to handling my case. Rocky McElhaney and Russell Belk were there for me 100% of the way."

“We could never begin to thank you for all of your help.”

"We could never begin to thank you for all of your help. We always refer folks to you and will continue as you are, “The Man!” We treasure your friendship and are so proud to say that Rocky McElhaney is our lawyer!"

Bobby and Beck P.

Rocky McElhaney Law Firm
2015-02-06T15:33:42+00:00

Bobby and Beck P.

"We could never begin to thank you for all of your help. We always refer folks to you and will continue as you are, “The Man!” We treasure your friendship and are so proud to say that Rocky McElhaney is our lawyer!"

“Rocky McElhaney Law firm is filled with great people…”

"5 stars! If you’re looking for a team of great attorney’s, then you’ve reached the ones and no longer need to search. Rocky McElhaney Law firm is filled with great people that are empathetic, and will fight for you like they are fighting for themselves! Call them up and see for yourselves!"

Phillip H.

Rocky McElhaney Law Firm
2015-02-06T16:37:49+00:00

Phillip H.

"5 stars! If you’re looking for a team of great attorney’s, then you’ve reached the ones and no longer need to search. Rocky McElhaney Law firm is filled with great people that are empathetic, and will fight for you like they are fighting for themselves! Call them up and see for yourselves!"

“I would like to express my sincere gratitude…”

"5 stars! I would like to express my sincere gratitude to you and all the attorneys who handled my case from The Rocky McElhaney Law Firm for your excellent representation in my case. Words cannot express my heartfelt thanks for your outstanding professionalism, expertise, and legal consultation."

Eddie H.

Rocky McElhaney Law Firm
2015-02-06T16:39:03+00:00

Eddie H.

"5 stars! I would like to express my sincere gratitude to you and all the attorneys who handled my case from The Rocky McElhaney Law Firm for your excellent representation in my case. Words cannot express my heartfelt thanks for your outstanding professionalism, expertise, and legal consultation."
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