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Tennessee Insurance Bad Faith Questions & Answers
1 Answer | Asked in Insurance Bad Faith and Contracts for Tennessee on
Q: I started getting dental implants and then my insurance said they would not pay for the rest of the procedure.now Inplan

And no teeth do I have a case? I can't keep walking around like this.

Anthony M. Avery
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Anthony M. Avery
answered on Oct 10, 2022

Your insurance policy must be read verbatim in conjunction with your treatment plan. Are the implants covered or not? You will need an attorney to examine the contract and facts. Bad Faith in TN is not very much, so concentrate on Breach of Contract, possibly even in General Sessions.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: My homeowners Insurance company whom we’ve been with for 30 years recently sent us a cancellation letter due to 4 claims

Our first claim was due to under ground pipe burst. We had to move out of our home for 6 weeks. During that time our house was vandalised once and broken into 2. We would like to remain with our insurance company instead of being cancelled.

Bennett James Wills
Bennett James Wills
answered on Jul 20, 2022

Check the terms of your policy. That will tell you whether they can cancel. It may be time to find another company.

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: I was hit by a drunk driver on 04/29/2022 and there are no injuries. What compensation can I ask for

I have not had a rental because they never offered one. They are just now starting to process my claim even though I filed the claim on 05/11/2022. Can I request what it would have cost them in rental fees. Also can I ask for missed overtime because I didn't a vehicle all this time and I... Read more »

Tim Akpinar
Tim Akpinar
answered on Jul 16, 2022

A Tennessee attorney could advise best, but your question remains open for three weeks. They may not offer the rental; you have to request it. In terms of the lost wages, it could be denied. Only a Tennessee attorney could advise on the operation of your first-party benefits for lost wages/overtime... Read more »

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: I submitted all claim forms and proof of loss 25 working days prior to June 22, 22. Legal reasonable time?

No communication from Erie In’s. regarding status of claim or progress.

Tim Akpinar
Tim Akpinar
answered on Jul 10, 2022

A Tennessee attorney could advise best, but your question remains open for three weeks. It's difficult for any attorney to say what a reasonable is based on these brief facts. In lost wage claims, carriers can look at attendance records, level of injuries, medical records from treating... Read more »

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: My wife was the beneficiary of her parents life policies, but my wife died. Does the insurance payment allocate to me

Her parents are deceased and no other beneficiary is named

Anthony M. Avery
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Anthony M. Avery
answered on Feb 21, 2022

Are her Parents deceased? If dead, then the Designation of Beneficiaries might list her Estate. And there is usually an alternative Designated Beneficiary. If the Parents are alive, they can change the Designation anytime. If you feel the Death Benefit should be paid to you or your Wife's... Read more »

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: I'm beneficiary of ins. policy who passed in july. Funeral home has sent copies 3 dif.times. Ins Co.keeps saying they

havent recieved anything yet. My husband even emailed them once and they requested all the paperwork again, to which I took to funeral home to resend. Last wk funeral home called ins co. again and they said they havent recieved yet..what can I do ?

Anthony M. Avery
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Anthony M. Avery
answered on Jan 5, 2022

Hire a competent attorney to make the Claim on the Contract of Insurance. Assuming you are the Beneficiary, a Breach of Contract Suit may have to be filed if money is not forthcoming.

1 Answer | Asked in Insurance Bad Faith and Products Liability for Tennessee on
Q: I have received a civil warrant for vehicle that was repossessed. Vehicle was for another family member and I never

Actually had possession of vehicle. I had told them and person filling out loan papers I did not have income to make payments. Can I file suit against family member to have them pay this?

Anthony M. Avery
PREMIUM
Anthony M. Avery
answered on Nov 1, 2021

It sounds like you are being sued on the Note you signed. An attorney can sue the other party for contribution, but collection is another matter. Bankruptcy or a Settlement may be options. If a Judgment goes down, protect your assets and file a Notice of Exempt Property.

1 Answer | Asked in Civil Litigation and Insurance Bad Faith for Tennessee on
Q: When do insurance firm settle for policy offer to the opposing plaintiff and why

If you're involve in an accident not at fault, the at fault drive does not have enough to covered medical bills. But, the vehicle you are in as a passenger has insurance, the owner tell her insurance you not supposed to be in the car. But, it's your husband driving the car and it's... Read more »

Tim Akpinar
Tim Akpinar
answered on Dec 6, 2020

A Tennessee attorney attorney could answer best, but your question remains open for four weeks. As a general matter, an insurance company will settle for the policy limits when it determines that it is a good business decision to do so. There's no hard fast rule that if you satisfy a certain... Read more »

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: How do I recover lost wages, damages, rental and have them cited for no insurance and driving without a license?

A car with Mississippi auto dealer tags was uninsured with unlicensed 15 year old driver...driving who backed out of their driveway into our car that we bought the day before! They were not given any citations from officers. The damages to our car est. 13,050. Our uninsured motorist policy has... Read more »

Bennett James Wills
Bennett James Wills
answered on Oct 28, 2020

If your insurance does not cover the whole amount of damages you'll have to file a lawsuit against the driver/parents to try and recover a judgment for damages. But you can't force the police to issue citations.

1 Answer | Asked in Estate Planning, Insurance Bad Faith, Insurance Defense and Probate for Tennessee on
Q: Can my grandpa file a claim against my deceased grandma's estate for our insurance policies?

My grandmother owned life insurance policies on my grandpa and myself. We want to cash them out because they are horrible policies. They were supposed to transfer ownership to my grandpa but never did after we filled out the paperwork. Now they are saying we need all of my grandmother's heirs... Read more »

Nina Whitehurst
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Nina Whitehurst
answered on Apr 1, 2020

You did not state this, but it sounds like your grandmother has passed and there are things still in her name, such as these life insurance policies. You should contact a probate attorney to help you with getting those assets retitled. The type of process that will be needed will depend on more... Read more »

1 Answer | Asked in Civil Litigation, Contracts, Federal Crimes and Insurance Bad Faith for Tennessee on
Q: Can I sue an insurance company for being added to a policy without my consent

Just found out my crazy recent ex has me on her automobile insurance. First of all I don't even have a driver's license second of all nobody talk to me I never signed anything nor did anyone get my consent can I sue the insurance company? I have the insurance card with my name on it and... Read more »

Anthony M. Avery
PREMIUM
Anthony M. Avery
answered on Mar 6, 2020

As to the auto policy, you probably have no cause of action since you have no damages at this time. Unless it is provable it hurt your credit rating or something, there is no case. You could file a Declaratory Judgment action to get your name off, but you should just call the Carrier and complain.... Read more »

1 Answer | Asked in Insurance Bad Faith and Personal Injury for Tennessee on
Q: Can you bring cause against another party for inflicting deliberate and forced psychological damages?

I was held against my will at a local hospital for weeks while they drained my insurance and abused me. The hospital doctors used all sort of claims and lies to keep me there under a psychiatric hold. This removed all my rights as a patient as well as my civil rights. I believe they did this... Read more »

Bennett James Wills
Bennett James Wills
answered on Feb 3, 2020

More facts would be required to evaluate your issues. Consult local counsel to determine what, if any, claims you may have.

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: Do u have to send a demand letter for bad check in state of Tennessee
Tim Akpinar
Tim Akpinar
answered on Feb 1, 2020

For the best guidance, you could check with a Tennessee attorney. But your question remains open for five weeks. As a general matter in most any jurisdiction, you could simply make a written request. It doesn't need to be a demand letter, particularly if it is a business entity with which you... Read more »

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: How soon after being late on car insurance can they cancel your policy?

I've been with Progressive over 15 years. No accidents, no tickets and never late. Somehow I was late last month. I went to pay November early as I always do and it said canceled, I never received anything from them. They said they canceled because I was 15 days late. Due on 15th, claim they... Read more »

Anthony M. Avery
PREMIUM
Anthony M. Avery
answered on Nov 12, 2019

You need another Insurance Company today. Would you trust Progressive to honor a claim now? Unless you had an accident, forget about it. You have no cause of action.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: I paid an insurance agent to help me with medical insurance.

I received notice that my medical insurance premiums were going to almost double for 2018 even though I had no claims. Hired an insurance agent to help find affordable insurance. She informed us of gov assisted program to help pay insurance and asked us of our income of 2017 which was way lower... Read more »

Tim Akpinar
Tim Akpinar
answered on Oct 27, 2019

This is something a Tennessee attorney could answer best because insurance is generally governed by state law. But your post remains open for three weeks. As a general matter, it's difficult to say without seeing all the paperwork, particularly the inclusion of provisions outlining the nature... Read more »

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: Attorney for Allstate and at fault driver has been delaying my case by lying saying she's out of the country.

I stopped medical treatment in August of 2017 and the case has been delayed until March 2020. Can I bring separate claim against Allstate?

Anthony M. Avery
PREMIUM
Anthony M. Avery
answered on Oct 3, 2019

No, you have no contract with Allstate. The insurance co. is probably not a party, just representing their insured. You probably need an attorney who might file a Motion for Summary Judgment. I hope you have adequate proof of your medical damages.

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Tennessee on
Q: Can an auto insurer in TN deny claim 2 because it also requires repairing claim 1 which they denied?

Claim 2 would have required repairing the damage again had they paid the first claim. The car was safely and legally drivable despite body damage. I'm in Nashville.

Anthony M. Avery
PREMIUM
Anthony M. Avery
answered on Sep 30, 2019

Insurance companies refuse coverage like that all the time. Your only recourse is to sue for breach of the insurance contract. It may or may not be worth your while to hire a competent attorney.

2 Answers | Asked in Civil Litigation, Contracts and Insurance Bad Faith for Tennessee on
Q: Do most insurance companies settle out of court
Tim Akpinar
Tim Akpinar
answered on Jun 19, 2019

If you're talking in the realm of accidents, many settlements do take place out of court. It could all depend on the case. If both sides are more or less aligned on who is at fault, they agree on their figures for reasonable damages, then they will likely settle out of court. If they... Read more »

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1 Answer | Asked in Civil Litigation, Criminal Law, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: When your license gets suspended for not being insured Do they revoke all registrations in the vehicle owners possession

I was in an accident and i was uninsured. So i got a ticket and license suspended. Does this on affect the vehicle that was in the accident?Or does that include both of my vehicles?

Leonard Robert Grefseng
Leonard Robert Grefseng
answered on Jun 12, 2019

If I understand your question correctly, I think you misunderstand the difference between your LICENSE and the vehicle REGISTRATION. these two things are not the same. Your license is for you only- it is the authorization that you can legally drive a vehicle ( ANY vehicle, even one you don't... Read more »

3 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: I was involved in accident the guys insurance company is telling me I'm 20% at fault. He got a ticket for the accident.

He was ticketed for straddling lanes and improper lane change. I'm I responsible for getting my vehicle repaired as I'm being given the run around by his insurance company. I was also told I'd be responsible for 20% of a rental or cab fees.

Peter N. Munsing
Peter N. Munsing
answered on Dec 16, 2018

This is why you need to contact a lawyer after a crash. This sounds like the usual insurance baloney where they try to say you are 10,20.30% at fault based on---well, it's an "accident" so it's no-one's fault (until they are trying to soak you for contribution).

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