Health insurance policies cost consumers billions of dollars each year, but some Tennessee policyholders still fight to receive adequate benefits. Tennessee bad faith insurance claims arise either when

1. A Tennessee insurance company fails to pay a claim without reason, or when
2. A Tennessee insurance company has taken a position that goes against its insurance coverage policy.

"Bad Faith Insurance Practices" is a term used to describe the failure of an insurance company to honor its contract. Unless you have recently made a claim or recently experienced how some insurance companies operate, you may not be aware of this problem. You may think: "I pay my premiums, so of course my claim it will be paid if something bad happens." But it doesn't always work that way.

Attorney Jim Higgins and his Tennessee bad faith insurance lawyers at the Higgins Law Firm know firsthand about big insurance companies' abuses. Many insurance complaints we hear from our Tennessee clients have led to insurance lawsuits over bad faith insurance, hidden fees, discrimination, insurance fraud, and coverage disputes. Some Tennesseans we have met have even purchased supplemental health insurance, life insurance, and/or disability coverage yet still had their Tennessee insurance claims denied. Other insurance types subject to bad faith litigation in Tennessee include car insurance, home owner insurance, flood and fire insurance, vehicle (auto, truck, boat, RV insurance, etc.), and business insurance.

Tennessee bad faith insurance cases take on many forms. An insurer who refuses payment on a claim may offer any number of these following excuses to defend their breach of contract:

1. Your insurance policy was canceled for non-payment of a premium
2. Your loss is not covered under the insurance policy
3. You did not comply with the insurance policy terms
4. Your expenses are unreasonable
5. You do not have the correct coverage

Though the insurance company's excuses are endless, the bottom line is the same: insurance companies gladly accept your premiums but hesitate when it comes to paying your valid claims.

Tennessee and federal law regarding bad faith insurance is always changing, but one matter remains the same. Bad faith law in Tennessee requires both the insurer and the insurance holder pursue resolution and act in a "reasonable" manner. All Tennessee insurance policy holders have rights. If you believe you are a victim of bad faith insurance, you are not alone.

Our Nashville law offices defend the rights of the insurance policy holders throughout the State of Tennessee and have the experience and resources to stand up for your rights against the big insurance companies. Our team of experienced lawyers will evaluate your claim and help guide you through the difficult process of pursuing a bad faith claim. Insurance companies are always more willing to settle insurance claims quickly when policyholders are represented by an experience Tennessee attorney. Often, Attorney Jim Higgins' reputation among insurance industry lawyers will enable us to settle your claim without pricy court costs.

At The Higgins Firm, we don't charge a fee unless we successfully recover a settlement in your case. If you believe that your insurance company has unfairly denied your claim or that the insurance company has acted unreasonably, take action. Call the Higgins Firm today and let us begin right away to defend your Tennessee rights and to work toward the settlement you deserve. You don't have to be a victim of bad faith insurance practices. You can fight, and together we can win.

For free answers to your legal questions about bad faith insurance claims, call us toll-free at 800.705.2121 or contact a Tennessee insurance lawyer online.

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