Mar 162015 Tennessee HB453

What the Hail is really going on in Texas – Part 2 “Tennessee Drops Truth Bomb with Proposed Legislation”


In a crushing blow to insurers and their minions, lawmakers in Tennessee have introduced laws that specifically and directly eradicate the very laws attached in the proposed draft bill, as seen here. Draft Texas Insurance Legislation


Tennessee is proposing Senate Bill 398 Sponsored by Senator Frank S. Nicely and HB453 Sponsored by House Representative Bill Dunn

The bill can be found on their site here:


I am also adding a copy here for convenience. Please read it, it is short, but sweet. An it sends a very clear message to elected officials in Texas…removing penalties and adding roadblocks for insurers to file legitimate claims DOES NOT WORK!


By Niceley


By Dunn

AN ACT to amend Tennessee Code Annotated, Title 56, relative to insurance.


SECTION 11. Tennessee Code Annotated, Section 56-8-104, is amended by adding the following new subdivision: ( ) Unfair Insurance Provisions. (A) Including in an insurance policy a provision that would, ninety (90) days from the date a claim was filed with an insurer, prohibit any party from taking appropriate court action to obtain relief in regards to an unsettled claim, including but not limited to, including a provision that would require alternative dispute resolution prior to filing a court action; or (B) Including in an insurance policy a provision that would require the insured to complete repairs prior to the settlement of a claim.

SECTION 2. Tennessee Code Annotated, Section 56-8-105(1), is amended by deleting the subdivision and substituting the following: (1) Knowingly misrepresenting relevant facts or policy provisions relating to coverages at issue, or including provisions in a policy that favor the insurer against the insured;

SECTION 3. Tennessee Code Annotated, Section 56-8-105(2), is amended by deleting the subdivision and substituting the following: (2) Failing to acknowledge, within fifteen (15) days from the date the communication was received, pertinent communications with respect to claims arising under its policies;HB0453 001442 -2-

SECTION 4. Tennessee Code Annotated, Section 56-8-113, is amended by deleting the section and substituting the following: (a) Except as otherwise provided in subsection (b), title 50 and this title shall provide the sole and exclusive statutory remedies and sanctions applicable to an insurer, person, or entity licensed, permitted, or authorized to do business under this title for alleged breach of, or for alleged unfair or deceptive acts or practices in connection with, a contract of insurance as defined in § 56-7-101(a). Nothing in this section shall eliminate or otherwise affect any: (1) Remedy, cause of action, right to relief, or sanction available under common law; (2) Right to declaratory, injunctive, or equitable relief, whether provided under title 29 or the Tennessee Rules of Civil Procedure; or (3) Statutory remedy, cause of action, right to relief, or sanction referenced in title 50 or this title. (b) (1) Any insured alleging an unfair trade practice pursuant to § 56-8- 105(1) or (2) by an insurer, person, or entity licensed, permitted, or authorized to do business under this title may bring a civil cause of action against the insurer, person, or entity for damages. (2) If the court finds that the unfair trade practice was a willful or knowing violation of § 56-8-105(1) or (2), the court may award three (3) times the actual damages sustained and may provide other relief as it considers necessary and proper. (3) Upon a finding by the court that § 56-8-105(1) or (2) has been violated, the court may award to the insured bringing the action reasonable attorney’s fees and costs.- 3 – 001442

SECTION 5. This act shall take effect upon becoming a law, the public welfare requiring it.

They actually have that last statement in the bill….. very telling Texas. So, Texas… What the Hail is Really going on? Legalities


A colleague of mine, who operates in Tennessee brought this to my attention. I am oh so glad he did….Now, I am bringing it to yours. What the Hail is Really Going on in Texas


From a previous article: What the Hail is Really Going on in Texas – Part 1

Legislation in Tennessee attempting to eradicate the very laws similar to those proposed in Texas by Senator Larry Taylor and pushed by Steven J. Badger. They have had a very good taste of this Insurer Friendly type legislation and are actively, with bills on the floor, trying to REMOVE IT!


Another Public Adjusters perspective who lives in a state where they currently have this type of proposed legislation in place. They have the bill listed above introduced and well on its way to passing, TO CHANGE THESE LAWS TO THE ONES TEXAS CURRENTLY HAS IN PLACE.

In other words, they are taking their freedoms back while Texans are being stripped of theirs……No.


Some good links, with a broad perspective.

Cal Spoon 02/19/15


If you would like to add information to this, feel free to comment below, or contact me through the link at my name.


Here are some good articles and sites where information was obtained. This article is very suspicious, simply because we have no facts, yet I believe they found and culminated a good story to appeal to Hispanic Americans and not filing ANY claims.

See some of the damage for yourself:

Biased reports, only giving partial facts…..

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