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Tennessee is a fault insurance state

If you have been in a car accident, you likely have no question as to who was at fault and what happened. The account recorded on the police report will hopefully confirm your confidence in your own perspective. Unlike some other states, Tennessee is a fault insurance state, which means that you can make a claim against the other driver's insurance policy.

This is important for a number of reasons. In a no-fault state, a driver can only file a claim with his or her insurer. Because you can pursue damages against the other driver, though, you should understand how to maximize your chances of success and navigate the legal process following a car accident. 

Get medical treatment

The first thing you should do following your car accident is to get medical treatment. Even if you do not immediately display any symptoms, injuries such as whiplash or bruising and bleeding in the brain can cause serious trauma. The symptoms of damage from these types of injuries may not show up until days or weeks after the initial impact. See a doctor as soon as possible to prevent any injuries from worsening.

Consider your bills

In addition to the obvious expenses of damage to your car, your medical bills will likely be an unfortunate burden, and this is exacerbated by the fact that you may be missing work due to your injuries. All of these factors make Tennessee's fault status important. The other driver's policy should cover these financial burdens; you should not have to bear the liability for a car accident that was not your fault.

Take your case seriously

Following the accident, you will likely have requests from your own insurance as well as the insurance of the other driver to provide a statement about the collision. Do not talk to any insurance representatives without first consulting with an attorney. An attorney can help you build your case and take advantage of Tennessee's fault status. Doing so may minimize your expenses and help you recover from the accident. 

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Sharp & Attanasio, Attorneys at Law
625 Market Street
Suite 300
Knoxville, TN 37902

Phone: 865-951-7468
Fax: 865-971-6929
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