Car Accident Compensation in Tennessee | Guide 2026
By Sarah Chen, Legal Content EditorReviewed by James Patterson, JD
Published: May 8, 2026
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Start Free EvaluationTennessee has one of the most urgent laws in the country: the statute of limitations for personal injury is only 1 year (Tenn. Code § 28-3-104). Half the time most states give you. Modified comparative negligence with strict 50% bar.
Only 1 Year to Sue
12 months from the accident date. Miss it and you lose your right entirely. Act fast.
50% Bar
50% or more at fault = $0 (Tenn. Code § 29-11-103). Same as Georgia.
Average Settlements
| Injury Type | Range |
|---|---|
| Soft tissue | $10,000 – $35,000 |
| Moderate | $35,000 – $125,000 |
| Serious | $125,000 – $350,000 |
| Catastrophic | $350,000 – $3,000,000+ |
Insurance: 25/50/15
Updated May 2026. Sources: Tenn. Code § 28-3-104, § 29-11-103; Tennessee Bar Association.
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