Insurance Disputes Archives

What should I do when filing a renter's insurance claim?

Having renter's insurance is a responsible thing to do in case you suffer a loss while renting a property in Tennessee. However, as with any insurance policy, in order to be paid for your loss, you have to submit a claim. If you make a mistake during filing your claim, it could be denied.

Considerations when contemplating an insurance settlement

You know that insurers do not remain in business by paying out on every claim; thus, an offer of a settlement from an insurance company following an accident should be expected. Yet just how hard should your stance be on accepting a settlement? As we here at The Gold Law Firm tell many of our clients in Shelby County, an insurance settlement offer is not something to always be summarily dismissed out-of-hand. 

Explaining fault vs. no-fault insurance laws

When one gets in a car accident in Shelby, the expectation is that auto insurance will pay for any injuries he or she (as well as other involved) sustained, along with the whatever repairs to any and all vehicles caught up in the collision. The question is whose insurance is going to pay for it. Most might automatically assume that the "at-fault" driver is responsible. At the same time, some might say that regardless of fault, those involved in car accidents are required to submit claims to their own insurance companies. So who is correct?

What is bad faith?

You pay your premiums to your insurance provider in Shelby every month with the expectation that should the time come the you need coverage, it would be automatic. This assumption seems to fly in the face of the age-old adage that insurers do not stay in business by paying on claims. Yours may indeed look for reasons to deny you coverage. While denials are permissible, they cannot be based off bad faith. 

Why do insurers dispute repair costs?

Which is worse: having an accident or having to deal with getting your vehicle repaired? Many people in Tennessee might find it hard to decide between the two, especially if they are caught between a repair shop and an insurance company that does not see eye to eye about what repairs are needed and the cost of the work.

Dealing with high-dollar insurance claims

The saying that "a man's home is his castle" could not be more apt. Just like with castles in the days of old, any breach in a modern home's walls can leave its occupants feeling defenseless. Yet rather than relying on regional allies to show up and offer support in such cases, today's homeowners instead rely on the assistance of their insurance carriers to refortify their properties. However, dealing with an insurance company following property damage can be a stressful proposition given that insurers in general are not perceived as being overly-enthusiastic about paying claims. 

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  • "David made a claim with my insurance company and we ended up getting $55,000.00 from both insurance companies. David got all my bills and liens reduced and I was able to put about $20,000.00 in the bank after my bills were paid." Jennifer C. in Memphis
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