TOBY R. CARPENTER is a native of Kingsport, Tennessee. He graduated from East Tennessee State University in 1991 with a degree in political science and history. He is a 1995 graduate of the University of Tennessee College of Law. After beginning his practice with Baker, Kinsman & Hollis in Chattanooga, he returned to Knoxville where he practiced for over twelve years with the firm of Carpenter, O'Connor & Sterchi. He joined Kennerly Montgomery in 2008. His practice is devoted almost entirely to civil litigation, primarily insurance defense, first-party insurance matters including coverage and fraud, subrogation, personal injury, wrongful death, products liability, premises liability, transportation, and construction. He has handled cases at all levels of the trial and appellate courts of Tennessee, as well as the United States District Court for the Eastern District of Tennessee.