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Rather than requiring drivers to cover these expenses out of pocket, the state mandates a minimum amount of coverage. As a driver in Tennessee, you must carry $25,000 per person per accident with a $50,000 limit per accident and $25,000 in coverage for property damages. Under the state’s comparative fault rule, you can file a claim with the insurance company of the driver who caused the accident as long as your own share of the blame doesn’t exceed 50%. You won’t qualify for compensation if you’re more than 50% responsible. If your liability share is not zero, your award will be reduced to reflect your role in the crash. If insurance coverage is not sufficient, you can get compensation through a personal injury lawsuit. It is a common option when crashes cause significant injuries that result in loss of quality of life, pain and suffering, and other types of damage. The advantages include:

Safety should always come first. It’s your responsibility to check yourself and others for injuries and contact 911 if someone needs medical assistance. If someone is injured, don’t attempt to move them. Follow all of the instructions the 911 dispatcher gives you. You should never leave the scene of an accident until you have contacted the necessary authorities and reported the accident. Leaving the scene of an accident can result in jail time and fines if someone is injured. If no one is hurt or the crash only caused minor injuries, Tennessee law states that you should move your vehicles out of the way. Clearing the roadway will prevent subsequent crashes, reduce congestion, and make the scene easier to access. Notifying Authorities and Gathering Information After reporting the crash, collect as much information as possible to support your insurance claim or any potential personal injury lawsuits. The steps to follow include: Tennessee is an at-fault state with a modified comparative fault rule. This means that the driver who is liable for the accident is responsible for any damages, but you won’t qualify for compensation if your share of the liability exceeds 50%. Your comparative fault percentage will also reduce the amount you can receive.