Tennessee Accident Policy
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FAQ
Reporting a Car Accident in Tennessee According to Tennessee Code section 55-12-104, the driver of any motor vehicle involved in an accident in the state must report the crash in writing to the Commissioner of Safety within 20 days if: any person was killed or injured in the accident.
In Tennessee, you are not required to report car accidents that do not result in injuries or cause only very minor property damage. However, you are required to report accidents that result in death, personal injury or property damage exceeding $400.
Currently, ten states have no pay, no play laws on the books: Alaska, California, Iowa, Kansas, Louisiana, Michigan, New Jersey, North Dakota, Oklahoma, and Oregon. In other states, no pay, no play laws have been proposed, but have not been enacted.
Tennessee has a statute of limitations of 1 years after a car accident. That means you have 1 years from the time of the car accident to sue the at-fault driver, or vice versa.
How Long Do You Have to Report It? The short answer is that you should report the accident as soon as you can, even at the scene if possible (most insurers have 24-hour accident claim hotlines and mobile apps for claims).
Failure to report an accident can lead to your policy being declared void by your insurers which could result in you being uninsured in respect of vehicle damage in the event of a later accident.
If it's a minor collision and there are no injuries, make a note of it just in case the other people later try to claim for an injury. Call the police and an ambulance immediately if anyone is hurt or if the road is blocked.
If you do not file the report within 20 days, the state of Tennessee may suspend your driver's license and registration. If you are not a resident of Tennessee, failure to file the report within 20 days can result in the suspension of your nonresident operating privileges within the state of Tennessee.
Tennessee is not one of those states. Tennessee is considered a fault state, meaning that if you are injured in a car accident here and another driver is at fault, you may be able to recover damages from them and from their insurance company in a personal injury suit.
