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Insurance Claims After An Accident

Focused, personal representation for Tennessee families and businesses, with offices in Nashville and Memphis.

Last Updated: Aug 10, 2026

Read Time: 3 mins

When your Memphis personal injury lawyer files a claim on your behalf with an insurance company, there are several different types of damages that he or she may pursue. Compensation for medical expenses may be awarded, as well as lost wages from being unable to work. Pain and suffering, emotional anguish, and other losses you have suffered might also be included in an injury claim.

The claim your attorney files will likely be either a first-party claim or a third-party claim. A first-party claim is one where you file a claim for your injuries with your own insurance company. This may happen if the accident was your own fault, or if you live in a “no fault” states. In these states, you file a claim with your own insurer regardless of who caused the accident. Other reasons why you might file a first-party claim for your injury would be if you were injured in a hit and run accident, if the other driver was underinsured, or if the other driver had no auto insurance. A personal injury lawyer Memphis, TN has to offer may help you navigate these complex situations.

A third-party claim is when you file a claim with another party’s insurance company. If a car accident was the other driver’s fault, your attorney may file the claim with that driver’s insurance company. If you were a passenger in someone’s vehicle and they crashed, the claim would be filed against the driver’s insurance company.

A third-party claim would also be filed if you were injured in a premises liability accident, such as in a shopping mall or business.

What an Injury Attorney May Do

Whether you are injured in a car crash, shopping mall, or someone’s home, a claim should be reported to the insurance company within a day or two after the accident. Once a claim is opened, the insurance company will begin an investigation of the accident to determine if your claim is valid.

The insurance company will make their determination, and if they find that their client was at fault, they will likely offer a settlement. In many situations, the settlement the company offers is less than what the victim deserves, or the insurance company drags out the claim in an attempt to discourage the victim.

Another result may be that they will deny the claim completely. This is why it is imperative to have a seasoned personal injury lawyer Memphis, TN residents depend on advocating for you.

Let a Personal Injury Lawyer in Memphis, TN Fight for You

If you have been injured in an accident, you do not have to go through the insurance process alone. Contact a personal injury lawyer Memphis, TN families trust from Patterson Bray at 901.372.5003 to find out how we may be able to help.

A personal injury lawyer Memphis, TN can provide likely knows how complicated insurance policies can be. This is especially true for vehicle-related accidents. When you are injured in a car accident caused by another party’s negligence or recklessness, you’ll likely file a claim with the at-fault party’s insurance company or, in some situations, with your own insurer. Tips on Filing a Personal Injury Lawsuit.

At Patterson Bray, we have been helping victims obtain the financial compensation they deserve for their injuries for many years. If you have been injured in an accident, consider contacting a personal injury lawyer Memphis, TN from our legal team to find out if you’re entitled to damages.

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Client Reviews

    
 
 
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   Nancy Wallace 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google. If you are looking to do estate planning, go with Patterson Bray! They are excellent to deal with!
  
 
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   Cheryl Adkins 
 2 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We loved the staff at Patterson Bray.  Everyone was very professional.  Judith was very thorough and explained everything extremely well.  We would recommend Patterson Bray to anyone.
  
 
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   Hailey Wade 
 26 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Patterson Bray PLLC did an excellent job with my grandmother's estate planning, and made everything easy to understand! She recommended them to a friend who went and is also very satisfied with their services.
  
 
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   Deb Clark 
 31 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My experience with this firm, particularly Judith Denham has been truly exceptional.  From the consultation to the finish, the attention to detail, listening and responding to my needs.  My documents were completed timely and professionally.  I highly recommend Patterson Bray.
  
 
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   Tanya White 
 31 days ago
 
 
 Trustindex verifies that the original source of the review is Google. PattersonBray Estate Planning was an incredible firm to work with setting up our Trust. Judith Denham was thorough, very smart, and personable as she patiently explained each part.  Gabby put together  a very professional beautiful binder for us to have, and has answered questions we have had since  then. I am so glad they were recommended to us, and we had them to walk us through this procedure.
  
 
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   Charmaine Sego 
 32 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Patterson Bray did a great job with my mother's trust.
  
 
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   Phil Chamberlain 
 48 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Patterson Bray PLLC - first class lawyers.
  
 
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   Catherine McGee 
 68 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Heath Taylor was a genuine joy to work with during my divorce: straight forward, professional, and knowledgeable. I do hope I never have the need to acquire more legal help, but if I do, he'll be my first call. Thank you for everything, Heath!!
  
 
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   Marva Johnson 
 74 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I FOUND PATTERSON BRAY AND JUDITH DENHAM TO BE PROFESSIONAL, VERY THOROUGH, AND PERSONAL. I DID NOT FEEL LIKE A CLIENT, BUT A PERSON. I AM SO IMPRESSED WITH THEM, ESPECIALLY JUDITH AND GABBY. VERY GRATEFUL FOR ASSISTANCE.
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   Pam Nicole 
 75 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We set up a trust with Judith, at Patterson Bray and we received excellent service. Everything was explained thoroughly and everyone was very friendly and professional. I would definitely use her and the firm again, if needed.

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Insurance Claims After An Accident

What an Injury Attorney May Do

Let a Personal Injury Lawyer in Memphis, TN Fight for You

Patterson Bray

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