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Tennessee Insurance Bad Faith Questions & Answers
2 Answers | Asked in Health Care Law, Insurance Bad Faith and Personal Injury for Tennessee on
Q: Did case manager's misinformation delay care for my mother after cerebral hemorrhage?

My mother suffered a cerebral hemorrhage and was hospitalized for a week. The hospital's doctor and case manager recommended an inpatient facility for her off dexterity and balance issues. We selected a facility that was said to be within her insurance network, but her application was denied.... View More

Tim Akpinar
Tim Akpinar
answered on Jun 28, 2025

A Tennessee attorney could advise best, but your question remains open for two weeks. I'm sorry about your mother's ordeal. This will probably require investigation to validate the basis of denials, both from the case manager and insurance carrier. If the facility was truly out of... View More

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5 Answers | Asked in Car Accidents, Insurance Bad Faith and Personal Injury for Tennessee on
Q: What to do if insurance company doesn't pay claims after accident?

I had a car accident on June 7, 2023, during which I was cut out of the vehicle. I had full coverage insurance and filed two claims with my insurance company. Despite following up, I never received any compensation or feedback, and the insurance company mentioned that the statute of limitations was... View More

Tim Akpinar
Tim Akpinar
answered on Jun 3, 2025

As my colleagues advise, it could be best to consult with an attorney to discuss the claim in detail, if an attorney is not already representing you here. file. However, it isn't bad faith if the carrier doesn't tell you the statute of limitations is blown - they have no obligation to... View More

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3 Answers | Asked in Insurance Bad Faith, Personal Injury and Probate for Tennessee on
Q: Life insurance company requesting medical records after heart attack and cancer

My father passed away from a heart attack while suffering from cancer, and his life insurance company is requesting additional medical records. They haven't specified why they need them, and we haven't provided any because we don't know how to obtain or submit them. We're also... View More

Anthony M. Avery
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answered on May 23, 2025

Who is the designated beneficiary? Only that person has standing to make a claim on the policy. Insurance carrier is probably looking for a false statement of medical condition made by your Father. It may be impossible to get the medical records unless there is a probate administration, which... View More

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1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: Do I have a negligence claim against my insurer for delaying my storm damage claim due to their address error?

A severe storm damaged my home on Sept. 28, 2024. Despite clear evidence of damage, my insurer delayed the claim process, repeatedly demanding more inspections, interviews, and placing me under a special investigation. They seem suspicious that I don’t actually live in my home, which is required... View More

Anthony M. Avery
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answered on Dec 6, 2024

Suing an insurance co for bad faith is possible, but only up to 25% of claim amount is possible judgment. (both are by Statute) Ins Co can also counterclaim for bad faith suit against you. It is risky and difficult to sue your own carrier, but talk to some real lawyers in your area about... View More

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: Can you sue an insurance company if they refused to cover costs due to an unethical loophole?

About a year ago, a friend was living in Florida and she lent her truck to a friend. This friend allowed her boyfriend to drive the truck, who had been drinking (but still below the legal limit) and had no driver’s license. The guy got in a car accident and totaled the truck. The insurance... View More

Anthony M. Avery
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answered on Aug 5, 2024

There are no ethical rules for insurance. Read your insurance contract for the exclusions the co. relied upon.

Bad Faith suit is only an extra 25% and exposes you to a bad faith claim. A suit for breach of contract may be possible within the contract term SOL. A good lawyer would...
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2 Answers | Asked in Consumer Law, Insurance Bad Faith and Personal Injury for Tennessee on
Q: What are my options after UMBI claim denial due to similar coverage in TN?

I filed an Uninsured/Underinsured Motorist Bodily Injury (UMBI) claim with my insurance because the at-fault driver’s coverage wasn’t enough to cover my medical expenses. My claim was denied. The Claim Specialist said it was denied because both of us had the same minimum coverage, which... View More

Anthony M. Avery
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answered on Jul 11, 2025

You must file suit against the UIM carrier within the SOL. Hire a lawyer now. You cannot handle this pro se.

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4 Answers | Asked in Car Accidents, Personal Injury and Insurance Bad Faith for Tennessee on
Q: How can I ensure my accident settlement covers future medical expenses?

I was involved in an accident where I sustained an L-1 compression fracture to my lower spine, a severely torn MCL with a chipped bone in my right knee, and whiplash. The at-fault driver's insurance offered a $25,000 settlement covering the emergency room bill only. I have not signed the... View More

Anthony M. Avery
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answered on Jul 11, 2025

There is no perfect solution to covering future expenses by settlement now. Talk to your attorney. If you do not feel enough money is offered, then try the case.

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1 Answer | Asked in Employment Law, Health Care Law and Insurance Bad Faith for Tennessee on
Q: Company terminated insurance policy without notification.

I'm still employed by a company that recently terminated my insurance policy, claiming I hadn't worked over 30 hours a week, even though I've consistently worked the same hours since starting in October 2024. They have been deducting insurance premiums from my paychecks without... View More

James L. Arrasmith
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answered on Jun 12, 2025

That’s incredibly upsetting, especially when you’ve done everything right and only found out about the loss of coverage by accident. Employers are legally required to notify employees if their benefits are canceled, especially when premiums are still being deducted from paychecks. If they... View More

1 Answer | Asked in Consumer Law, Civil Litigation and Insurance Bad Faith for Tennessee on
Q: Legal action against Santander for false credit reporting and unjust late fees?

My wife and I have been dealing with Santander Consumer for our auto loan for over five years. Although our payment due date is the 23rd of each month, we always make our payments early using funds deposited on the 3rd. Despite this, Santander has falsely reported late payments and charged unjust... View More

James L. Arrasmith
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answered on Apr 12, 2025

It sounds like you have valid grounds to pursue legal action against Santander Consumer for the false reporting and unjust late fees. Since you have made payments on time and have documented proof, including disputes with credit bureaus, this strengthens your case. You can start by continuing to... View More

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Tennessee on
Q: I have a complaint with Auto Insurance Co regarding clarifying my vehicle as Salvage title

I have a complaint with Auto Insurance Co regarding clarifying my vehicle as Salvage title I believe they provided a LOW value to the damaged vehicle even though I test that the repairs are less than 75% value of the actual value of the vehicle. Even at their LOW valuation the repair costs are... View More

Tim Akpinar
Tim Akpinar
answered on Sep 26, 2024

A Tennessee attorney could advise best, but your question remains open for a month. Your frustration is understandable - these can sometimes be tough cases, where repair estimates are in the same range as statutory thresholds for total loss declaration. One option could be to reach out to your... View More

1 Answer | Asked in Contracts, Civil Litigation, Federal Crimes and Insurance Bad Faith for Tennessee on
Q: Breach of finalized settlement! This 1 case if you fight you will win more then you make yearly! TN Yes I'll contact.

Heres the case in a nut shell. Breach of settlement contract. I finally have all evidence including,Contract and terms, proof of breach. In their own words known recordings and understood that they were being recorded, proof of negligence bordering criminal. Admitted criminal negligence during... View More

James L. Arrasmith
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answered on Mar 21, 2024

If you believe there has been a breach of a finalized settlement agreement, gathering all pertinent evidence, such as the original contract, proof of the breach, and any relevant communications or recordings, is crucial. Documentation that clearly demonstrates the breach, especially if it includes... View More

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: Does the spouse own rights to an insurance policy in the state of Tennessee? What if the beneficiary isn’t the spouse?

I need to get my end of life documents( will, poa,etc) in order and I need to know can I exclude my spouse.

Tim Akpinar
Tim Akpinar
answered on Mar 13, 2024

A Tennessee attorney could advise best, but your question remains open for a month. It may be because this doesn't really look like a Bad Faith matter, the category chosen. It is something that attorneys who practice in the "Probate" and "Estate Planning" sections would... View More

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: Hello, Is it necessary to list insurance policies in a living will or poa?
Anthony M. Avery
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answered on Feb 12, 2024

You need to talk to an attorney. Neither a living will nor a poa have anything to do with devising and bequeathing property at death.

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1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: My auto insurance company did a non renewal without giving me any notice. What are my options? I am In Tennessee.
Anthony M. Avery
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answered on Feb 6, 2024

No legal options. Carrier can contract with or not. Get insurance elsewhere.

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: How can long term care insurance companies who have decided to stop offering long term care be allowed to increase

Premiums On their current customers in whatever amounts they want to. Their customers are trapped because if they tried to switch companies at their older age it would be difficult to find another insurer. . Companies that are still offering long term care are usually held to a certain percentage... View More

Tim Akpinar
Tim Akpinar
answered on Oct 21, 2023

A Tennessee attorney could advise best, but your question remains open for three weeks. Until you're able to consult with a local attorney, most states have Departments of Insurance (even if they don't go by that exact name). They usually assist the public with consumer questions... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: I have workcomp insurance without incidence for over10yrs, in midst of an audit coverage canceled without merit..legal?

During a recent yearly wc insurance Audit on my polcy the assigned Auditor quit the insurance company without notice, the next Auditor assigned to my account has ran me ragid,repeatedly requesting additional documents regarding a specific subcontractor,

I provide exactly what is asked and... View More

Tim Akpinar
Tim Akpinar
answered on Oct 7, 2023

A Tennessee attorney could advise best, but your question remains open for two weeks. Until you're able to consult with a local attorney on state-specific provisions that govern cancellation, it might be less aggravating and safer to seek coverage elsewhere, while having a Tennessee attorney... View More

1 Answer | Asked in Insurance Bad Faith for Tennessee on
Q: Is this a delay in insurance claim, bad faith, or underpaid insurance claim??

March3,23 we made an insurance claim for wind damage and flood.Serve pro come in and did water mitigation and took out floors.Allstate gave us our 1st check for 4093 for a partial roof.Our second check was for 14,000and we were made to pay serve pro 6000 something for the work.Leaving us with... View More

Tim Akpinar
Tim Akpinar
answered on Aug 22, 2023

A Tennessee attorney could advise best, but your question remains open for two weeks. An attorney would probably want to see the file and the paper/digital trail of communications to make a call on the handling of the claim by Allstate. Good luck

1 Answer | Asked in Consumer Law and Insurance Bad Faith for Tennessee on
Q: What’s the statute of limitations for Directv installation property damage claims in TN?

I’m experiencing a leaking roof & interior property damage by Directv from a 2nd installed dish that occurred in 2021. The original dish was installed in 2006. The repairman in 2021 removed the old dish but left the old mounting brackets in the roof and installed a dish with mounting... View More

Anthony M. Avery
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answered on Aug 1, 2023

Property Torts have a 3 year SOL. But they are already claiming you busted it. When you sue expect to fight a Rule 56 Motion on the SOL. Be prepared to prove the 2021 work is what did the damage.

2 Answers | Asked in Contracts, Products Liability and Insurance Bad Faith for Tennessee on
Q: Hi, can an extended car warranty insurance (Fidelity etc.) ask the repair shop for outsourced parts invoices?

The extended warranty company approved an itemized parts list & labor for a truck repair job. After the repair, the shop sent them an invoice with an itemized parts list & labor exactly as pre-approved (to the cent). The extended warranty company now wants all invoices for the parts as... View More

John Michael Frick
John Michael Frick
answered on Jul 13, 2023

Yes, there is no law prohibiting the extended warrant company from requesting those invoices.

There is also no law requiring the repair shop to provide them.

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1 Answer | Asked in Insurance Bad Faith and Civil Litigation for Tennessee on
Q: Can I sue??

Me and my dad filed a house claim March 3,23 through insurance , we have been battling through terrible problems the whole time, Tennessee how a matching law on roofs , our insurance company refuses to abide by the match law we have been paid 9,000 for the inside and 3g for the roof . All damages... View More

Tim Akpinar
Tim Akpinar
answered on Jun 13, 2023

A Tennessee attorney could advise best, but your question remains open for two weeks. Filing a lawsuit is generally an option in most insurance claims (a local attorney must advise here after reading your policy - sometimes arbitration is listed as a forum).

The best way to answer your...
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