Leif Olson, Car Insurance Writer
An at-fault accident in Tennessee is a car accident caused by a negligent or careless driver. Tennessee is an at-fault state, which means the at-fault driver’s liability insurance covers medical expenses and property damage for other drivers and their passengers involved in an accident.
Every state has different liability insurance requirements. In Tennessee you are legally required to have at least $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
How Tennessee Determines Negligence
States assign fault based on slightly different definitions of negligence. Tennessee uses modified comparative negligence, meaning that drivers do not recoup accident-related costs if they are more than 50% at fault for an accident.
For example, if you are 52% responsible for an accident, you would not receive any payment because you would be over the 50% threshold.
To learn more, check out WalletHub’s guide to at-fault accidents.
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