Car accidents can be overwhelming and chaotic, especially in the moments immediately following the crash. If you’ve been involved in a car accident in Tennessee, it’s important to know what steps to take to protect yourself physically, legally, and financially https://cummings.law/. This guide will walk you through exactly what to do after a car accident in Tennessee.
1. Check for Injuries and Ensure Safety
The first priority is always safety. Check yourself and passengers for injuries. If anyone is hurt, call 911 immediately. If the vehicles are in a dangerous location and can be moved, safely pull over to the side of the road to avoid further collisions.
2. Call the Police
Tennessee law requires you to report an accident to law enforcement if:
- Anyone is injured or killed, or
- Property damage exceeds $50 (which is almost always the case).
Even in minor accidents, having a police report can help when filing an insurance claim or pursuing legal action. When officers arrive, be cooperative and provide accurate information—but avoid admitting fault.
3. Exchange Information
Exchange the following details with the other driver(s) involved:
- Name and contact information
- Driver’s license number
- License plate number
- Insurance company and policy number Also, get the names and contact information of any witnesses.
4. Document the Scene
Use your phone to take photos or videos of:
- Vehicle damage
- Skid marks or debris
- Road signs or traffic signals
- The position of vehicles before they are moved
- Any visible injuries
This evidence can be critical for insurance claims and legal proceedings.
5. Seek Medical Attention
Even if you don’t feel seriously hurt, it’s wise to get checked by a medical professional. Some injuries (like whiplash or internal bleeding) may not show symptoms right away. Medical records also serve as important documentation if you pursue a personal injury claim.
6. Notify Your Insurance Company
Report the accident to your insurance company as soon as possible. Be honest about what happened, but avoid speculating about fault. Stick to the facts.
7. Understand Tennessee’s Insurance Laws
Tennessee is an at-fault state, meaning the driver responsible for the accident (and their insurance company) is liable for the damages. You may be able to pursue compensation through:
- The at-fault driver’s insurance
- Your own insurance (if you have collision or medical payments coverage)
- A personal injury lawsuit
8. File a Report with the Tennessee Department of Safety (If Required)
If the accident involved:
- Injury or death, or
- Property damage over $1,500 ($400 if government property), You must file an Owner/Driver Report (Form SF-0395) with the Tennessee Department of Safety within 20 days.
9. Consider Speaking With a Personal Injury Attorney
If you were injured, the insurance company may not offer a fair settlement. An experienced Tennessee car accident attorney can help you:
- Understand your rights
- Deal with insurance adjusters
- Pursue compensation for medical bills, lost wages, and pain and suffering
Final Thoughts
A car accident can be a life-changing event—but knowing what to do in the aftermath can make all the difference. By staying calm, documenting everything, and protecting your legal rights, you can ensure you’re in the best possible position to recover—both physically and financially.
Have Questions About a Car Accident in Tennessee?
If you’ve been involved in a crash and need legal advice or help navigating the claims process, consider speaking with a local attorney who understands Tennessee law and can advocate for your best interests.