Tennessee Car Accident Settlement Calculator

In Tennessee motor vehicle accident cases, you can recover damages only if your fault is less than 50%. If the jury finds you equally at fault (50/50), you recover nothing. This threshold makes the fault determination in car accident cases especially consequential — the difference between 49% and 50% fault is the difference between receiving compensation and receiving nothing.

Tennessee gives you 1 year from the date of the incident to file a lawsuit, which is shorter than the national average of 2.7 years. This compressed timeline means you need to consult an attorney and begin gathering evidence quickly. Tennessee applies a discovery rule, meaning the clock may start when you discover (or should have discovered) the injury rather than when the incident occurred.

Drivers in Tennessee must carry at least 25/50/25 in liability coverage — that’s $25K bodily injury per person, $50K per accident, and $25K property damage. While this meets the state minimum, a single ER visit can easily exceed these limits. The at-fault driver’s policy may not fully cover your losses in a serious accident.