Insurance Litigation in Tennessee
Nashville Insurance Dispute Lawyers
Insurance companies promise protection—but when it’s time to pay a claim, many policyholders find themselves facing delays, denials, and accusations instead of help. Whether you’re fighting for benefits you’re owed or defending yourself against an insurer’s claim that you submitted a “questionable” or fraudulent claim, going up against a large insurance company can feel overwhelming.
Freeman & Fuson deals with insurance companies every single day. Attorney Mark Freeman holds the Chartered Property and Casualty Underwriter (CPCU) designation—the highest and most respected credential in the insurance industry. His deep, insider-level understanding of how insurers investigate, evaluate, and deny claims gives our firm a significant advantage when protecting clients from unfair treatment. If you need a team that will fight for you from start to finish, Freeman & Fuson is the firm you want in your corner.
How Insurance Litigation Works in Tennessee
Insurance disputes are governed by policy language, Tennessee contract law under
T.C.A. Title 47, and insurance regulations and consumer protections found in
T.C.A. Title 56.
Whether you’re pursuing a claim or defending one, these statutes outline:
- How policies must be interpreted
- What duties insurers owe to their policyholders
- What constitutes unfair claims practices
- When a denial becomes a “bad faith” refusal to pay
- What remedies are available when an insurer violates the law
Our firm helps clients navigate these rules and holds insurance companies accountable when they fail to meet their legal obligations.
Types of Insurance Disputes We Handle
Freeman & Fuson represents individuals and businesses in a wide range of insurance matters, including:
- Health insurance disputes – Denials of necessary treatment, coverage disputes, delays
- Homeowners insurance claims – Fire, water, storm, theft, structural damage
- Auto insurance claims – Property damage, medical payments, total loss, UM/UIM disputes
- Life insurance disputes – Beneficiary conflicts, lapse issues, denied payouts
- Commercial insurance issues – Business interruption, liability coverage, property claims
- Accusations of insurance fraud or questionable claims
- Coverage interpretation disputes
- Bad-faith insurance practices
- How the contract is interpreted
- What performance is required
- What remedies are available
- Whether the contract is enforceable at all
When insurance companies refuse to pay valid claims, blame policyholders, or manipulate policy language, we step in to fight for what you’re owed.
Bad-Faith Insurance Claims in Tennessee
Tennessee law recognizes that insurance companies should not unfairly refuse to pay valid claims. Under
T.C.A. § 56-7-105, an insurer may be liable for a
bad-faith penalty of up to 25% of the loss if:
The claim is valid under the policy
The insured made a proper demand
The insurer refused to pay within 60 days
The refusal to pay was not made in good faith
Bad-faith litigation requires detailed analysis of claim files, adjuster notes, communications, and policy language. We know what to look for and how to expose improper denials.
When Insurance Companies Accuse You of Fraud
Insurers sometimes respond to claims—not by paying them—but by accusing the policyholder of wrongdoing, such as:
- Exaggerating damages
- Misrepresenting facts
- Submitting altered or incomplete documentation
- Causing or contributing to the loss
These accusations can be devastating. They can also be completely unfounded.
Our firm defends clients against these allegations by:
- Challenging flawed or biased investigations
- Demanding transparency in claim handling
- Gathering evidence that supports the legitimacy of the claim
- Ensuring the insurer meets its burden of proof
- Protecting clients from unfair or improper fraud allegations
We have successfully helped clients obtain health insurance benefits after wrongful denials, and we are currently defending multiple individuals accused of submitting “questionable” claims.
Common Tactics Used by Insurance Companies
Insurance companies often use strategies designed to delay or deny payment, including:
Repeated requests for unnecessary paperwork
Delaying claim decisions to pressure policyholders
Misinterpreting or twisting policy language
Incorrectly applying exclusions
Relying on biased experts or investigations
Making low settlement offers far below the value of the claim
We recognize these tactics immediately—and we push back aggressively.
Why Choose Freeman & Fuson for Insurance Litigation?
CPCU Expertise
Mark Freeman’s industry credential gives our firm rare insight into how insurers operate behind the scenes.
Daily Experience
We negotiate with, challenge, and litigate against insurance companies every day.
Aggressive Representation
We know how insurers try to avoid paying—and we don’t let them get away with it.
Personal Attention
Every client receives direct, hands-on representation and clear communication throughout the process.
Talk to a Nashville Insurance Litigation Attorney Today
If your claim has been denied, delayed, underpaid, or challenged—or if you’re being accused of filing a questionable claim—don’t take on an insurance company alone. Call Freeman & Fuson at (615) 298-7272 or contact us online for a confidential consultation, and we’ll evaluate your situation, explain your rights, and fight to make sure you get what you deserve.