Insurance adjusters often move quickly—especially in cases involving major injuries. In practice, that can mean:
- a request for a recorded statement before you fully understand your prognosis
- early settlement offers based on “what we know today,” not what you may need next year
- pressure to sign medical authorizations that are broader than necessary
In Tennessee, you have the right to take reasonable steps to investigate and protect your claim. The problem is timing: with catastrophic injuries, the true scope often becomes clear only after follow-up treatment, imaging, and specialist evaluations.
Your goal isn’t to be “done fast.” Your goal is to be compensated for the full impact.


