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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.
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.
A report must be filed regardless of who was at fault for the accident. You are required to file a report even if an investigating officer creates their own report. To file a written report, submit a completed Owner/Driver Report form to the Tennessee Department of Safety and Homeland Security (TDSHS).
While a police report can make filing a car accident claim much easier, you can still do so without one. However, you may face challenges in recovering compensation. The police report contains critical evidence about how and why an accident occurred.
The required minimum limits of your liability car insurance are: $25,000 for each injury or death per accident. $50,000 for total injuries or deaths per accident. $25,000 for property damage per accident.
Call the State of TN Auto Accident Call Center immediately at (855) 253-0629 with date, time, and location of the incident, as well as any additional information you may have. Take photos of both vehicles, as well as the license plate and VIN tag of the other vehicle (on the driver-side dash, near the windshield).
Since the law allows a victim to be restored to a pre-injury state, there is no cap on economic damages in a Tennessee car accident case. Common forms of damages you may be able to collect after a Tennessee car accident include: Medical damages.
Leaving the scene of an accident without reporting it to the police might be considered a hit and run offense under Tennessee Code § 55-10-102(a). In addition, waiting too long to contact an insurance company might make the insurance company wary of your claims and more likely to deny your compensation.