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My Legal Options After a Car Accident

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

Last Updated: Aug 10, 2026

Read Time: 3 mins

Auto Accident Lawyer

The aftermath of a car accident can be a very confusing time, especially if you were significantly injured as a result. Adding to the confusion is the fact that the at-fault driver’s insurance company may be pressuring you to make hasty decisions in regard to settlements. However, it is in your interest to take the time to evaluate all your legal options before you make a decision. If you are not sure of what your options are, read on.

1. Accept the Insurance Company’s Initial Settlement Offer

This is generally NOT the recommended course of action. The initial offer will almost always be less than your case is actually worth. The insurance company may try to take advantage of your confusion and lack of firsthand knowledge about the process to avoid paying you what you deserve. Before you even consider accepting the initial offer, there are a couple of steps you should take.

First, you should receive medical attention for your injuries. Not only is this best for your health, but you can find out from the doctor about your prognosis for recovery, your ability to return to your job, and any work restrictions that may apply in the future. This information will help you to determine what your case is really worth.

Second, you should consult an attorney. Like an insurance adjuster, an attorney has knowledge of the applicable laws and how to determine the worth of a car accident settlement. Unlike an insurance adjuster, however, an attorney will act in your interest to try to obtain a fair settlement for you.

2. File a Lawsuit

This is usually only an option before you accept a settlement, not after. The reason is that in order to receive your settlement payment, you must sign a form saying that you agree not to sue the at-fault party in regard to this matter in the future. That is why it is important to find out what your case is really worth before accepting a settlement.

However, there is an exception: If the insurance company acted in bad faith and/or tried to defraud you, you may be able to sue even after accepting the settlement. Also, if there were multiple drivers at fault for the accident, settling with one usually doesn’t apply to the others. In that instance, you would still be able to sue the drivers with whom you haven’t reached a settlement.

3. Negotiate a New Settlement

This can take place before or after you file a lawsuit. Most insurance companies would rather settle than go to court, so with the help of an attorney, you may be able to negotiate a settlement that is fairer to you. Find out how a car accident lawyer may be able to help you recover what you deserve by contacting a law office today.

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Client Reviews

    
 
 
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   Nancy Wallace 
 7 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 
 8 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 
 32 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 
 37 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 
 37 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 
 38 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 
 54 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 
 74 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 
 80 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.
M.JOHNSON
  
 
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   Pam Nicole 
 81 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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