Nashville Car Insurance Claim Denial Lawyers
Insurance claim denial attorneys in Nashville, Hendersonville, and Clarksville fighting for you
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? 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 Nashville car insurance lawyer 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 were incorrectly denied, we will represent you in your appeal.
What are the different types of Nashville car insurance claims?
If you were in any type of accident caused by the negligence of another driver, you have the right to file a liability claim against that driver. If the driver is found liable for the accident, they should pay for your medical bills, lost wages, pain and suffering, property damage, and other damages.
You should never negotiate with the insurance companies. Liability insurance carriers are not your friends. They want to pay you as little as possible.
There are two types of claims that your own insurance company may be responsible for paying:
- Uninsured/underinsured (UM/UIM) claim. When you buy auto insurance, you also have the right to buy UM/UIM insurance. You can make a UM/UIM claim if the person who caused the accident does not have insurance or does not have enough insurance to pay for all your damage. The best course of action is to let our Nashville auto insurance lawyers handle your UM/UIM claim. If you handle the UM/UIM claim on your own, there’s an increased risk that your own UM/UIM insurance company will deny your claim.
- A collision claim. Many car owners have collision insurance. This insurance pays for the damage to your car – regardless of who is at fault for the accident. Normally, you’ll ask your carrier to pay for the damage to your car if you are at fault. You can also demand that your collision carrier pay for the damages to your car while your claim against the other driver is pending. This way, you don’t have to wait to repair or fix your car.
There are other types of insurance claims you might make after a car accident, such as a comprehensive insurance claim if your car is stolen or damaged in a fire. Our Nashville car insurance lawyers can explain more.
Why do insurance companies deny claims?
There are a few common reasons why your insurance company might deny your claim. Some denials are complete denials, while others may be partial denials.
Some of the reasons for a denial of either your UM/UIM claim or a collision claim include:
- Nonpayment of the insurance premiums.
- Something about your insurance application was inaccurate, possibly nullifying your claim.
- You were driving a car that you neglected to add to your insurance policy.
Reasons for a denial of your UM/UIM claim are often like the defenses the liability carrier is likely to raise, such as:
- You played some role in causing the accident; for example, if you sped through a red light when you were struck by a distracted driver.
- The accident you were involved in could have been avoided had you acted differently.
- You were driving under the influence at the time of the accident.
- You were not an authorized driver of the vehicle that was struck.
- Your medical records do not show that you suffered an injury in the accident.
- Your medical records show you had a pre-existing injury.
- Your medical records show your injuries have healed or aren’t as serious as you claim.
Our Nashville car insurance denial lawyers are skilled at showing that the other driver was liable for the accident and that you did not contribute to the accident.
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 Rocky McElhaney Law Firm, 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.
We work with your doctors and our network of doctors when necessary to verify your injuries, the treatment you need (short-term, long-term, and for the rest of your life), the cost of all your medical care, and every way your injuries are making your life difficult. We also work with your employer to verify your income loss or with financial experts if you’re self-employed.
Our Nashville insurance denial lawyers work with property damage appraisers who can explain if your car was totaled, the cost of repairs, and the replacement value of your car.
How can your lawyers help with my insurance denial, appeal, or 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 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, Rocky McElhaney Law Firm can help. Our attorneys in Nashville, East Nashville, Hendersonville, and Clarksville, are well-known throughout Middle and East Tennessee for their experience challenging denials.
If the denial was in bad faith (there was no justification for the denial), we file a complaint for 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 in addition to their obligation to pay you the amount the company owes you based on your car insurance policy.
At Rocky McElhaney Law Firm, we are fully aware of all 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.
Do you have a car insurance claims denial lawyer near me?
Rocky McElhaney Law Firm has several locations to serve you.
- Our Nashville office is located at Mainstream Drive, #105
- Our East Nashville office is located at 615 Main Street, B21
Our personal injury lawyers also meet clients in Hendersonville and Clarksville. If you’re too ill to come to our office, we can meet with clients at their homes or a hospital. We also conduct discussions by telephone and by video conference.
We’ll answer all your questions, explain your rights, and aggressively pursue your claim. We hold car insurance companies to their duty to pay the full amount of your claim.
Contact our Nashville insurance denial lawyers today
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 these years. That's what the insurance denial attorneys at Rocky McElhaney Law Firm are here for. We battle the insurance company so that you don’t have to. You can schedule a free initial consultation by calling our offices or filling out our contact form. We have offices in Nashville, East Nashville, Hendersonville, and Clarksville so that we are always close when you need us.
Visit our Nashville Offices
Rocky McElhaney Law Firm
545 Mainstream Dr., #105
Nashville, TN 37228
Phone: (615) 425-2500
Rocky McElhaney Law Firm
615 Main St., B21,
Nashville, TN 37206
Phone: (615) 393-8585