Insurance Bad Faith – What Is It Exactly?

Insurance bad faith, which also goes by the term, insurance fraud, refers to the mistreatment of consumers and businesses by their insurance carriers. It often applies to cases in which an insurance company does not want to pay out a settlement to an insured person or entity.

Unfortunately, insurance bad faith is something that happens often. A lot of insurance companies make use of statistics to know how much they need to pay out, depending on particular circumstances. Even if an insured person is entitled to a certain amount of cash, the insurer may still not want to pay it in full. The individual or entity either accepts the decision of the insurer or goes to court for bad faith.

Three of the most common scenarios involving insurance bad faith are:

> insurer denying an insured party all the benefits stated in the insurance policy;

> insurer providing less compensation than what is guaranteed by the policy; and

> unjustified delays in payment to insured.

Each insurance contract comes with a stated or implied “covenant of good faith and fair dealing.” That means the two parties, the insurer and insured, have to comply with all the terms of their contract.

This contract provides that the insurance firm should fully compensate the insured party in timely fashion under appropriate circumstances; otherwise, the company is considered to be in violation of the covenant of good faith and fair dealing. There are states that have statutes or other regulations that cover bad faith by insurance providers.

When bad faith is exhibited by these companies, they may be subject to punitive damages, government penalties and statutory damage. Because there are different bad faith-related laws in different states, it is important for anyone with these issues to consult with a lawyer.

Insurance companies pay different bad faith damages, depending on the jurisdiction. In general, the damages will be equivalent to the actual compensatory damages the insured would have rightfully obtained from the insurer in a non-bad faith setting. A lot of states also allow for punitive damages, or damages intended to punish the insurance company for bad conduct. In some states, punitive damages come under a cap, but not in other states where there are no limits. With insurance fraud or bad faith being complicated and thus confusing, anyone who may want to court because of such experience must seek a lawyer’s help.

Lawyers who accept this type of case usually work on a contingency basis. That means the attorney will not be receiving payment directly from the client – not even from the award of damages he receives – but rather from the money that the court will order the insurer to pay the lawyer in a separate judgment.

If you think your insurance provider has acted in bad faith on your policy claim, see an insurance lawyer who can outline the possible steps you can take against the company.

Source: injury attorneys


Hiring a Divorce Attorney: Knowing What to Consider Before Hiring It is not surprising that despite the euphoric start of a marriage, some just do not last and soon enters into a divorce. About half of all marriages start to fall apart and soon file for divorce. Usually, the next step that should be considered is either finding a divorce attorney or attempting to file all the legal documents all by yourself. Remember that there should be careful consideration before any decision is made. In the first place, no one enters into a marriage thinking that they will soon file for a divorce. To think, the whole family is affected by a divorce. Divorce is a roller coaster ride for emotions and individual strengths are actually tested. Since emotions and feelings are often hit hard and involved in the process of divorce, a person going through it should not bother dealing with the legal issues and procedures pertaining to their case. This is basically the reason why a divorce attorney should be hired to ease the heavy burden. This article will give you an idea about the advantages when hiring a divorce attorney. 1. Experience
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Several people going through a divorce do not have any clue about the legal proceedings. On the contrary, a divorce attorney is fully knowledgeable about what and when to proceed with filings. Having a professional that has expertise in family law will bring advantage to your side. You will be able to learn and gain an experience through them about the particulars of divorce laws present to your area. Experts on family law will be able to give insights on what the outcome will be. There is no perfect divorce equation. But still, an experienced lawyer can have a good guess on what will be the outcome depending on what kind of situation you are in.
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2. Avoid Emotional Bond As stated earlier, emotions and feelings before and during your divorce proceedings will actually let you become attached to certain items and intangible aspects. A divorce attorney will get rid of any emotional bond to a court case that a person going through the divorce will have. The legal representative will not base their decisions on emotions. They will base their decisions solely upon the fair payment and legal practices. 3. The Efficiency and Expertise A person trying to complete their own divorce will likely end up taking a lot of research, time and effort to understand the legal filing process, legal terms and procedures. A divorce lawyer will handle these tasks professionally giving you an advantage over it. The expertise of a divorce lawyer is built by working with clients having same situation and cases as well as dealing with the legal system. When hiring a divorce lawyer, make sure they have trusted credentials and expertise in their field of practice. If you are someone who just decided to hire a divorce lawyer, it would be a nice idea to check Attorney Lauren Taylor – a divorce lawyer, criminal lawyer and personal injury attorney in Greenville, South Carolina.


    1) Get yourself a defense lawyer, not simply any law firm you or a pal is aware of. Criminal law firms who completely focus their practice on criminal defense typically know the prosecutors involved, can get discounts that other legal professionals pass up, have likely managed circumstances just like your own house and may far better counsel you of your possibilities. Take a look at their site of course, if they listing a lot of regions of training they probably do not are experts in criminal defense.

    2) Have a defense law firm who works on his training around protection which you will want. A lot of dui law firms not just deal with schedule defense instances but some completely focus in the distinct part of security. Some concentrate on sexual assault defense, crazy criminal offense defense, or other areas of niche. No safeguarding places completely need a law firm who works on in the region, as well as in a lot of regions you can find so few attorneys that you get one that concentrates on a specific criminal offenses is not possible. Have a attorney who is prepared to set up the required time to discover your situation and your protection and you will do okay.

    3) Public defenders are often set-aside for people who do not want personal lawyers. Nonetheless, open public defenders haven’t much resources and time to work in your case and bring about a smaller amount rights, as outlined by investigation produced by the Rights Plan Start2 .. Numerous public defenders attempt to accommodate over 2 hundred circumstances or more. That is certainly way over the utmost number of instances advised through the Aba, which endorses that any legal professional ought not handle over one 100 instances. Open public defenders generally take care of over 300 situations in La Local, Los angeles. Community defenders could be very obsessed with their jobs and have the very best objectives. Nevertheless, they are often at a loss for the sheer number of instances and endanger their buyer’s constitutional to certainly successful rendering in court arrest.

    Figure out what type of features you need. Do you need an individual youthful and that’s willing to replace an absence of encounter by way of hard work, or someone with well-established experience? Does your circumstance call for someone who has special understanding of a certain section of felony law (like taxes legislations or Securities and exchange commission research), or legal professional be sufficient?

    5) Request pals when they know (and have knowledge about) a criminal defense law firm. It’s not time to engage your third nephew who once earned a speeding solution case for your dad. In case you are involved in a crime that can induce you to have a criminal history, you’ll need someone that understands just what they are carrying out.

    6) Uncover what lawful businesses the lawyer is associated with. At least, he must participate in the State while stating Bar Links. If he is among the National Affiliation of Criminal Legal professionals (NACDL), his Condition Affiliation of Criminal Legal professionals, or the ABA’s Criminal Justice Part, that’s a very good sign he’s greater than a moving fascination with criminal defense.

    7) See whether he’s got at any time used an office building in most of the organizations ones he’s an affiliate. Bar affiliation routines are good signs and symptoms of what sort of lawyer’s colleagues experience him.

    8) Make contact with  Jonathan Franklin.

    8) Check if he’s got earned a Martindale-Hubbell standing. In .AV” will be the maximum capability/maximum values rating based on the opinions of lawyers and most judges who know him. In .BVIn . and InchesCVInch rated legal professionals are great as well. Note: very few defense legal professionals are graded by Martindale-Hubbell and lots of the finest criminal defense legal professionals do skip Martindale-Hubbell’s service and ranking technique.

    9) Do not be deceived by advertising and marketing slogans, such as “ex- deputy district attorneyInch or Inchambitious demo attorney.” Match the legal professional and decide in case you have self-assurance in his or her expertise and understand their examination of o
    ne’s case.


    Choosing The Best Lawyer Wisely Can Be Beneficial

    Choosing for a lawyer can become a tough decision to make especially if you are not yet sure of the qualities that you prospected lawyer should have since in choosing one, it is essential to know their qualities as well as the fact that they can execute their job as efficiently as they can with the price that you can surely afford to pay. Determining the characteristics that defines a good attorney may be a difficult task for you since there are advertisements in radios and televisions that promotes attorneys that ensures you best results if hired thus making you get more and more confused which may result for not to reach a conclusion on what exactly makes a good lawyer. Hence, do you have any idea on how you will know and choose a really good attorney when the time comes that you need one? You must continue to evaluate so that new ideas will help you learn.

    As you look for a lawyer, please keep in mind that the person you are looking for is a lawyer who can defend you, not a buddy. Not all lawyers have the same attitude, so if you meet some who are not friendly, just dismiss that thought and immediately ask them if they can become your attorney. When choosing for a lawyer, it always means as a business relationship between you and the lawyer that is why they treat in such manner therefore, you have to make sure that you are receiving an ample amount of professional treatment which matters most that a buddy-buddy kind of friendship. Since you already know about those things and all, this article will now present you with several things that you should remember to never do and that is an absolute must when you search for an attorney.

    Do not believe on what television ads are saying because for all you know, they are just in a melodramatic-action-packed commercial that does not offer real work and are just pure fictional. A case is always a gamble with unknown results therefore, if the lawyer you choose guarantees you a positive one, then he is not what you need. An attorney who can give your prognosis of your case as well as the chances that you may win is the one that you should hire because in reality, no one, even a lawyer, can foresee the future. If you hire a lawyer that you saw on television, chances are that they might not be taken seriously since they tend to prioritize their style and will come out as lacking in substance.

    You must not choose a lawyer that you just saw the name listed in a phonebook.

    Source: lawyers


    Innovation has advanced to permit all way of surgeries that widely draw out human life to be performed with fluctuating sorts of apparatus. Regardless of this, there are in overabundance of 225,000 instances of patients who pass on while accepting medicinal treatment because of negligence.

    This stunning figure lifts restorative misbehavior to one of the main ten approaches to kick the bucket. Numerous sorts of negligence can happen, including botches made amid surgery, elective surgery botches, medicine overdose and off base prescriptions recommended.


    Medicinal misbehavior cases are a unique kind of carelessness case. The commonplace components of a carelessness claim must be demonstrated by the patient, including obligation, break of obligation, causation and harms. Be that as it may, medicinal misbehavior cases are distinctive on the grounds that a center issue is regularly whether the therapeutic expert acclimated or digressed from the standard of consideration. In the event that there is an unjustified deviation, the rupture of obligation component might be met. Much of the time, there are particular composed norms of consideration that are commanded by restorative loads up and other overseeing bodies. These regulations have been made to guarantee human services experts are kept in line and additionally turned into an aide for standard consideration. Guidelines were fundamentally made to guarantee the same procedures are taken after to keep carelessness to a base. This eases the human services proficient and the office organization from prosecution as a rule when taken after carefully.

    Standard of consideration were actualized to guarantee case is decreased to a base and that patients get quality treatment. These models permit therapeutic consideration experts some elbowroom, yet numerous procedures that are performed are currently standard and took after by all specialists in the business. These regulations likewise guarantee a human services proficient is ready to the employment accurately, as well as claims might be rejected in view of confirmation of right treatment or moves made amid systems. Suit frequently succeeds when the specialist digressed from these models, or a restorative expert committed some type of error in finding, treatment, measurements or some method.

    In most medicinal misbehavior cases, the offended party must set up that the restorative expert veered off from the standard of consideration by having a therapeutic master clarify what the standard of consideration was and how the therapeutic expert’s treatment did not fit in with this standard.


    Numerous patients are restless and anxious to experience surgical systems because of listening to loathsomeness stories from companions, family or the news. Each surgery conveys with it certain dangers. Numerous patients have the conviction that significant surgery may prompt further inconveniences. A few patients erroneously trust that just unpracticed or new specialists commit these sorts of errors in surgery. In spite of the fact that without a doubt hone brings down dangers with errors, even the best specialist may commit an error sooner or later with a surgery.

    Elective Procedures

    Different patients trust that elective or corrective surgery is totally safe. Be that as it may, any surgery conveys dangers and potential perils. Numerous patients have passed on while having corrective methods performed. Serious damage may likewise happen while experiencing elective methods, for example, bosom enlargement or diminishment, sidestep surgery, lap band and even liposuction.

    Prosecution Issues

    Misbehavior for the most part requires enough confirmation to demonstrate deviation from standard method, carelessness or purposeful damage to a patient. Restorative specialists might have the capacity to support medicinal negligence claims by surveying where mistakes happened, for example, mistaken measurements, strategies utilized amid surgery, understaffed healing centers that prompted postponed determination or different issues. A human services master is expected to elucidate the guidelines and regulations set up that specialists and attendants are required to take after.

    Contact an Attorney

    At the point when any kind of negligence is suspected, it is best to contact a legal counselor quickly. The legitimate agent will require all data identified with the case, including the sorts of drug that the patient consistently takes and was recommended, dates and specifics of surgery, data identified with any pertinent past wounds and data in regards to any witnesses that may have watched the therapeutic negligence. Normally a legal counselor will require two therapeutic experts. It is best to guarantee the lawyer acquired is experienced and learned about medicinal misbehavior.

    Because of the statute of confinements, harmed casualties have just a restricted timeframe in which to record a case or the case can be banished from conveying conveyed to court.


    What You Need to Know About Prescription Drug Laws This country enforces the prescription drug laws very strictly and they take it very seriously as well to the point if you are caught on breaking these laws it is considered to be a criminal offense. So if you are interested in the prescription drug laws here is some different kinds of information that you will no doubt enjoy because it will go in depth with all of the different laws out there regarding drugs and the assortment of punishments and consequences that offenders will have to face if they are caught breaking these laws. Making and Manufacturing Drugs Laws This law makes it illegal for anyone to make or manufacture drugs of any kind. Growing or manufacturing any kind of drug is illegal and it does not matter if you are growing marijuana in your backyard or if you are making psilocybin mushrooms because this is a serious offense and if you need to defend yourself it is time for a Lawyer. This law will also include some other kinds of aspects as well such as the fact that it is illegal to own different types of ingredients that can be used when are manufacturing drugs. It is important to mention that this law will also prohibit the manufacturing of drugs such as LSD, ecstasy, methamphetamines, and also cocaine as well which are pretty hard drugs. In order to make these types of drugs a wide array of different kinds of equipment is going to be needed such as chemicals and a lot of advanced laboratory equipment.
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    A police raid will be launched on the home of someone they suspect of breaking this manufacturing drug law. And when the police enter the house they will discover a lot of different kinds of chemicals as well as laboratory equipment that is being used to create the drugs. And even though there is no drugs in the home the fact that the person will have all of the equipment and chemicals needed to create the drugs is enough and under the prescription drug laws they will be put under arrest and taken to jail.
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    Another thing to think about when you are considering the prescription drug laws is the fact that if you are caught growing more marijuana plants than the law allows then you can be put away for manufacturing drugs with the purpose of selling and distributing. Most states will allow you to grow a certain number of marijuana plants but if you are growing more than the law allows then you will be arrested by the police for the intent of manufacturing and selling the drugs and then you may need to hire yourself a lawyer to help you out.


    Considerations You Have to Make When Choosing Patent Translation Companies When one invents or manufactures a produce then he or she needs to hire the ideal patent translation company to ensure everything would go according to plan. When you hire the right company for the job then you won’t have to worry about getting you invention approved at all. Things will be so much more convenient for you wit the speedier process. You need to handle rejection well because there are times when it would also happen. There needs to be proper application because it will help ensure a good and free flowing process. There may be some people who have the same patent as you. When you have proper application and approval then you would be one step close to getting ahead in the industry. It would be like winning the lottery for some people when they get their patent approved. You need a partner company to help you do this in all the ways that matter. You will have to do your research ahead of time as well because this will help you increase the chances of better results concerning the translation services you availed of. In order for everything to go according to plan, one has to consider all the factors that are involved to gain approval. There are all kinds of companies that can help you but not all of them would be ideal. There are reputable companies which you can get your services from so there is nothing to worry about at all. You would surely need all the help you can get when it comes to these matters. The companies which you hire have to be legit since that would be essential in getting good results. Companies need efficiency because only then would they be able to help you in the most ideal way. You will definitely be able to gain success when you accomplish these things in the best possible way. There are considerations which you have to make and this would be key to getting the results you want. People are going to be telling what the right things to do are but you have to make sure you follow your instinct first. When you gain success in this venture then customers will definitely be flocking to you in so many ways. Proper translation services for your patent documents should be done as much as possible because this is what your company needs to get ahead in the business. The ideal company would know how to take care of all the considerations that need to be made so there is nothing for you to worry about at all. Among your options, you have to keep in mind that those companies which have experience would always be the smart choice at all times. Once you have hired these companies then the road to success would surely be easier.The 10 Best Resources For Companies

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    texas car insuranceMassachusetts was a suitable place for a first attempt at car insurance reform. Due to high personal injury claim frequency and average payments per claim, hawaii may be plagued for years with expensive automobile coverage. Opinions differ as to the reasons this was the situation, but it is assumed that the costs of Massachusetts car insurance escalated due to obvious physical deficiencies .

    Road systems are poorly designed, dangerous, and in many cases obsolete. Unpredictable Colonial climate conditions make driving treacherous discounts on premiums around the better of highways. Massachusetts daily generates massive volumes of traffic, especially during winter, when most commuting occurs in darkness. Superimposed upon unusually unsafe driving conditions is the insistence of Detroit to make overpowered and uncrashworthy automobiles unsuited to guard occupants in the dangers due to collisions even at low speeds. High insurance charges were also simply due to spotty police officers. The percentage of Massachusetts drivers found guilty of moving traffic violations remained the lowest in the united states. The Massachusetts conviction rate was one-sixth that relating to the Pacific coast states for corresponding years throughout the late 1960’s.
    Besides factors incidentally associated with insurance, the system of compulsory insurance that existed in Massachusetts my advice since 1927 encouraged injury claims. Massachusetts’ compulsory insurance liability law wasn’t with a compulsory property damage law. This meant that damage to property claims were frequently submitted disguised as injury statements to control the potential deficiency of coverage to pay for the repair bill for any damaged automobile. This practice was so common that, when insurance reform was being considered, the phe-nomenon of damage to property claims filed as accidental injury claims was acknowledged as a substantial rating factor by every report on Bay State insurance. As a result of rewards and low personal risk of filing such fictitious claims, this custom overlapped into cases which were absolutely fraudulent.

    But the principal aspect in the unusually high cost of auto insurance in Massachusetts would be a statute that handed towards the commissioner of insurance the energy to set rates provided that he deemed them just, reasonable, adequate, and nondiscriminatory. Uniform rate-setting resulted in the elimination of any market-place competition among the insurers. By law, no insurance carrier was able to sell compulsory car insurance at rates below those set from the commissioner. This discouraged some of the better managed companies from operating in Massachusetts.

    The machine seemed to be frustrating and slow. In a few counties it took three or four years to obtain a jury trial. Nor did the businesses do just about anything to expedite claim payment by efficient handling, complaining instead in regards to the sheer volume. From the late 1960’s, it was apparent that the drastic overhaul of automobile insurance was needed. It absolutely was using this starting point that no-fault auto insurance began its journey from abstract principle to political reality.
    It began if the Keeton-O’Connell plan came to the interest of Representative Michael Dukakis, who happened to be an old student of Robert Keeton at Harvard Law School. Dukakis arranged a conference with Keeton to discuss the master plan; as well as the movement for your passage of Massachusetts no-fault was under way. Within weeks, it had been filed by Dukakis in the Massachusetts Legislature and being considered by a joint legislative committee on car insurance. Regardless of the fact that the committee recommended against it, in August, 1967, the Keeton-O’Connell plan was brought to a floor of the Massachusetts House of Representatives, the reduced branch of the Massachusetts Leg-islature, for a vote. For the surprise of everybody, including Dukakis, the balance was passed by your house and delivered to the Massachusetts Senate for concurrence. Panic set in, and the insurance industry and also the bar, acting in concert, exerted their influence on the Senate, urging it to defeat the master plan.



    MEXICO CITY.- Arturo Javier Ortega Olive, with impressive year-over-year growth for 2015 now in the books, Aerolineas Ejecutivas, Latin America’s leading business aviation company, has just taken delivery of three brand-new Learjet 75 aircraft. Boasting best-in-class range and cutting-edge avionics systems that empower pilots, the new Learjet 75 aircraft are now available as part of the company’s MexJet executive flight program. Having now been delivered to the Aerolineas Ejecutivas main hangar at Toluca International Airport, the new jets are capable of cruising at up to 51,000 feet, climbing more quickly to flight altitude than any comparable craft and cutting down significantly on travel times.

    “With the data now in, we can say that 2015 was an amazing year for Aerolineas Ejecutivas and the Mexican business aviation industry,” company President Arturo Javier Ortega Olive said, “2016 is shaping up to be an even more important one for us, and we’re proud to report that Aerolineas Ejecutivas approaches its semi-centennial in stronger shape than ever. With the addition of three sleek new Learjet 75 craft to the fleet, our MexJet fractional flight program will become even more attractive to business leaders and others throughout the Americas.”

    The Learjet 75 is the latest product of Canadian manufacturer Bombardier’s long-running efforts to stay abreast of the international business cycle. The development program that resulted in the Learjet 75 was kicked off as it became clear that the lingering effects of the last global recession were beginning to dissipate, leaving the company with a new product to unveil just as the world’s top companies once again began looking to upgrade their executive transportation arrangements.

    As Latin America’s leading business aviation company for over 47 years, Aerolineas Ejecutivas has made an especially suitable buyer for the new Learjet. The company’s MexJet fractional jet ownership program has become an enormous success under the stewardship of Arturo Javier Ortega, giving clients the flexibility to spend their share-hours on a variety of always-available travel arrangements over five years of ownership.

    In addition to being a top direct provider of business aviation services, including maintenance and ground support, Aerolineas Ejecutivas is also Mexico’s leading aircraft broker. As the only member from outside of the United States of the demanding, highly respected National Aircraft Resale Association, Aerolineas Ejecutivas engages in continuous, organization-wide training, staying up to date with the latest best practices and adhering to the strictest of ethical standards. With strong results throughout the Mexican aviation industry for 2015, Aerolineas Ejecutivas leader Arturo Ortega Olive predicts that 2016 will be an even more momentous year both for his company and throughout Latin America.

    About Aerolineas Ejecutivas:
    As Latin America’s only full-service business aviation company, NARA member Aerolineas Ejecutivas has provided the best in executive flights, aircraft maintenance, ground support, and sales for over 47 years.

    Media Contact:
    Arturo Javier Ortega Olive
    Mexico City, Mexico




    (Nashville, TN)—When it comes to personal injury cases, going pro se is never advisable. Being able to work with an experienced attorney who will fight for the client’s rights increases the likelihood of a successful resolution by 50 percent or more. Unfortunately, with so many attorneys offering their services, it can be difficult to differentiate those who are in it for the money from those who truly care about their clients.

    It is with this dilemma in mind that Keith Williams Law Group, a prominent law firm in Nashville, Tennessee, is announcing that Attorney Keith Williams has been named as one of the Top 100 Lawyers in U.S. News and World Report’s 2016 Best Law Firms List. Compiled annually using a rigorous nomination and evaluation process, this list has become a beacon of quality and distinction in the legal world.

    Jennifer McFarland, a representative of Keith Williams Law Group, stated “Without quality legal representation in a personal injury case, there will be an uneven playing field for the injured party. The attorneys at our firm work hard to make sure that every client is treated fairly, and they fight tirelessly to see justice served in all cases. We are so proud of what Attorney Keith Williams and our team has accomplished. Being ranked as one of the top 100 lawyers in the state of Tennessee by U.S. News and World Report is an extraordinary honor and a testament to everyone’s dedication.”

    McFarland goes on to say, “Firms included in the 2016 Best Law Firms list are recognized for professional excellence with persistently impressive ratings from clients and peers. Achieving a tiered ranking signals a unique combination of quality law practice and breadth of legal expertise. The attorneys here at Keith Williams Law Group are extremely talented and a huge asset to the people of Nashville and the surrounding areas.”

    “Many of our clients have sustained serious injuries and suffered significant financial damage as a result of someone else’s carelessness or neglect. Our attorneys do whatever they can to help them bear the burden that comes with seeking justice for what has happened to them. We are honored that others recognize how much we value our clients and the successful track record that we’ve developed as a result of our commitment to their well-being. We hope to continue to provide excellent legal representation on an even greater scale.”

    About Keith Williams Law Group:

    Keith Williams Law Group is a Nashville personal injury firm that assists people who have been injured in car, motorcycle & truck accidents as well as aviation accidents. With some of the largest settlements and judgments ever awarded in Tennessee on their books, Keith Williams Law Group has successfully recovered over $50 million dollars in compensation for clients. Their team knows that winning takes experience, dedication, skill, and hard work, and they stand ready to level the legal playing field for clients and help them obtain a successful resolution to their case.

    Media Contact:

    Jennifer McFarland
    Nashville, TN 37219
    Telephone: (615) 313-3999