What should I do if the insurance company denies my catastrophic injury claim?

If an insurance company denies your catastrophic injury claim in Tennessee, there are several steps that you should take to protect your rights. First, you should appeal the denial immediately. In Tennessee, the appeals process includes an application for reconsideration and an informal hearing. The application should include an explanation of why you disagree with the insurance company’s decision. The informal hearing is similar to a court hearing, but without the formal rules of evidence. During the hearing, you can present your evidence and explain why the insurance company should cover your claim. Second, you should consider hiring a catastrophic injury attorney. An attorney can help you understand your legal rights and options and can represent you in negotiations or during a court hearing. An experienced attorney will be familiar with Tennessee’s laws and can help you assess the strength of your case. Third, you should document all of your communications with the insurance company. Keep detailed records of all phone calls, emails, and letters related to the claim. You should also keep records of all bills, medical reports, and other documents related to the injury. Finally, if the insurance company adheres to the denial, you may need to file a civil lawsuit in order to obtain compensation. It’s important to consult with an attorney to determine the best way to proceed.

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What should I do if the insurance company denies my catastrophic injury claim?

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