Auto accident liability insurance companies, including those in Tennessee, have been in business for over a century. Over time the insurance companies have accumulated knowledge, experience, and resources giving the insurance company a significant advantage over those injured in auto accidents. While state-level insurance laws prohibit the insurance company from engaging in unlawful settlement practices, you may legally accept a “lowball” offer by accepting a single payment from the insurance company.

This advantage reduces the insurance company’s bottom line but unfairly places you between a “rock and a hard place.” For example: you may have additional medical bills, future lost wages, and other needs for which the insurance company did not consider when making your settlement offer. You can protect yourself against an unfavorable injury settlement by taking proactive steps, such as preserving evidence, understanding and applying the law correctly, following internal insurance policy rules, and following legal advice.

Here, Tennessee car accident attorney, Courtney Cotter, shares three steps for dealing with an insurance company after an injury that will ensure you receive adequate compensation for your injury claim.

Imagine you are sound asleep dreaming that you are on the beach drinking your favorite cocktail when BOOM, you hear a loud crash noise coming from the other side of your home. You discover a large tree has fallen on your residence. Who is responsible to pay for the damage your house sustained?

Typically, when a tree has fallen on a home the cause was either:

👉🏼 contractor negligence;

👉🏼 an act of God; or

👉🏼 negligence by the tree owner