Steps to Take if You’re Denied Fair Compensation After a Car Accident in Tennessee & Kentucky

Steps to Take If You’re Denied Fair Compensation After a Car Accident in Tennessee & Kentucky

Being injured in a car accident is stressful enough. When the at-fault party’s insurance adjuster refuses to offer a fair settlement, it can feel like you’re fighting the system alone. At RedStone Law, our attorneys — Mike, Morgan, and Mark — work with crash victims in Tennessee and Kentucky to hold insurance companies accountable and recover the full compensation they deserve.

1. Understand How Your Auto Insurance Claim Works

Following a crash, the adjuster for the at-fault driver’s insurer will identify the applicable policy (sometimes more than one) and evaluate your claim. But all too often they ask for the bare minimum of documentation, a strategy to lower the payout. To protect your rights, you must submit thorough proof of your injuries and losses, not just the minimum.

2. Document Everything Right Away

Solid documentation can make or break your claim. You’ll want to gather:

• Medical records and bills (treatment notes, prescriptions, therapy logs)
• Your income and work-loss records
• The police accident report
• Photos of the crash scene, vehicle damage, your visible injuries
• Surveillance footage (CCTV), body-cam or dash-cam video if available
• Statements and contact info from all witnesses

3. Know the True Value of Your Claim

To demand a fair settlement, you must know the full scope of your losses:

• Medical expenses and future treatment needs
• Lost wages or reduced earning capacity
• Pain and suffering, lifestyle changes, emotional injury
• Impact of age, recovery timeline, and any permanent impairment

4. Communicate Purposefully With the Insurance Adjuster

When you speak with the adjuster:

• Stay calm and respectful, conflict rarely helps
• Be prepared with your documentation
• Ask the adjuster what other information they need — this prevents surprise low-ball offers
• Don’t rush to settle. If you’re pressured or don’t fully understand your future medical needs, you may end up settling too soon.

5. Check for Missing Evidence or Gaps

If settlement offers stall, ask: “What is missing in my claim?” Often, the adjuster is waiting for something. Once you supply it — for example, new medical reports or additional lost wages documentation — the value of your claim may significantly increase.

6. Be Persistent — and Know When to Get Legal Help

Insurance claims often take time. Keep detailed records of every communication. But if you feel the process isn’t fair or you’re being pushed into a low settlement, it’s time to talk to a lawyer. At RedStone Law, we’ll review your case at no cost, and our one-third fee is well below typical market rates.

Conclusion

An uncooperative insurance company doesn’t mean you’re without options. With the right documentation, smart negotiation, and experienced legal support, you can pursue fair compensation for your injuries. If you’re ready to speak with a seasoned attorney who knows Tennessee and Kentucky law — contact RedStone Law today.