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There is a time limit on injury claims in Tennessee, and the insurance company knows exactly when it runs out. Answer five questions and we will connect you, free, with an independent attorney licensed in Tennessee.
Limited
Time to file most injury claims in Tennessee. Miss it and the claim is gone
Shorter
Government vehicle and public entity claims run on their own, tighter clock
Varies
Coverage carried by the at-fault driver is often well below the real cost
Modified
Tennessee follows modified comparative negligence with a 50% bar
This page describes Tennessee law in general terms only. It is not legal advice, deadlines and rules change, and exceptions apply. Confirm anything affecting your own claim with an attorney licensed in Tennessee.
Tennessee runs on modified comparative negligence with a 50% bar. Your recovery is reduced by your share of the blame, and disappears entirely at 50%. The difference between being found 49% and 50% responsible is the whole claim, which makes how fault is assigned unusually consequential here.
There is a firm deadline for bringing an injury claim in Tennessee, and a much tighter one for claims involving a public entity. The clock runs from the collision itself, not from the diagnosis, which is why waiting to see how you feel costs people claims.
Minimum coverage requirements are set well below what a serious injury actually costs, so the at-fault driver’s policy is frequently exhausted before treatment is finished. Uninsured and underinsured motorist coverage on your own policy is often what decides whether a claim is recoverable at all.
Tennessee bars recovery at half the blame, and Memphis is one of the country’s largest freight hubs, so commercial vehicle claims are common.
Davidson and Shelby County dominate, and I-40, I-65, I-24 and I-75 all carry heavy interstate truck volume.
Where a case would be heard changes what it is worth. Insurers evaluate the same injury differently depending on the county, the bench and the jury pool, which is why an attorney who regularly works your part of Tennessee is worth more than one who does not.
Each one is common, and each one is avoidable.
Adjusters move quickly on clear-liability collisions because early settlements are cheap ones. Sign before imaging has been read or a specialist has been seen and every later cost is yours. A released claim does not reopen.
At exactly half the blame you recover nothing. An adjuster who talks you into a clean 50-50 has ended the claim, not halved it, which is a very different negotiation.
A collision with a municipal truck, a transit vehicle or a state vehicle triggers a separate and far shorter deadline. People who wait the ordinary period find the claim expired long before.
Five questions from you. Everything after that is handled.
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Time limits apply, and a much shorter one where a public entity is involved. Both start at the collision, not at the diagnosis.
We match you with an attorney licensed in Tennessee who handles your collision type and works the area where it happened. We are not a law firm and do not assess your claim.
Calls from the insurer, recorded statement requests and paperwork all go to them instead of you.
Your claim is valued once the treatment picture is clear, rather than from the discharge note the adjuster would prefer to settle from.
Fault is contested with evidence rather than conceded on a phone call, which under modified comparative negligence with a 50% bar is where the money actually is.
Most Tennessee accident attorneys work on contingency. Our service costs you nothing at any stage, because attorneys pay us for the connection.
We match you with someone licensed in Tennessee who works your area.
Not on the list? We cover the whole state, including rural counties where fewer firms compete.
Tennessee sets a firm deadline running from the date of the accident, and a separate, considerably shorter one where a government vehicle or public entity is involved. Both are strict, and missing either generally ends the claim no matter how strong it was. An attorney can confirm which applies to your situation before anything expires.
Tennessee follows modified comparative negligence with a 50% bar. Your recovery is reduced by your share of the blame, and disappears entirely at 50%. The difference between being found 49% and 50% responsible is the whole claim, which makes how fault is assigned unusually consequential here.
At an even split you recover nothing in this state, which is stricter than most. The practical consequence is that a single percentage point either side of half decides the whole claim.
No. What generally matters is where the accident happened. If you were injured in Tennessee while passing through or visiting, an attorney licensed in Tennessee is usually the right fit, and handling a claim remotely is routine.
Possibly. Uninsured and underinsured motorist coverage on your own policy may apply, including in hit-and-run cases where the driver was never identified. Many people do not realise they carry it.
Our service is free to you — attorneys pay us for the connection. Most Tennessee accident attorneys work on contingency, so their fee comes from any recovery rather than from you upfront. Confirm the arrangement directly before signing anything.
Free, about a minute, no obligation. We connect you with an independent attorney licensed in Tennessee.
ClaimMVA Now is a free matching service, not a law firm.