Steps to Take After a Car Accident in Tennessee: A Driver’s Guide

Car accidents happen fast, but your actions afterward can determine your safety, legal rights, and financial recovery. In Wilson County, traffic crashes have shown a steady upward trend in recent years according to Tennessee Department of Safety data, with the county consistently ranking among Middle Tennessee's highest-crash areas due to population growth and I-40 congestion. Hagar & Phillips in Lebanon guides injured drivers through this process every day.

Step 1: Prioritize Safety and Check for Injuries

First, pull your vehicle to a safe spot out of traffic if possible, or stay put and activate hazard lights. Check yourself and passengers for injuries before adrenaline fades. Call 911 immediately if anyone shows signs of serious harm, like confusion, bleeding, or loss of consciousness. Even minor crashes can cause whiplash or concussions, so err on the side of caution.

Step 2: Notify Law Enforcement

Tennessee law requires reporting accidents to police if they involve injury, death, or property damage over $50 to any vehicle or $400 to government property. Officers create an official crash report, essential for insurance claims and fault determination. Request a copy of the report. This is your proof of what happened. In Lebanon, local police or the Tennessee Highway Patrol typically respond.

Step 3: Document the Scene Thoroughly

While waiting for police, gather evidence without moving vehicles prematurely. Take timestamped photos of vehicle damage, skid marks, road conditions, traffic signals, and injuries. Exchange info with other drivers: names, phone numbers, insurance details, license plates, and driver’s licenses. Collect witness contacts too because their statements may be needed later.

Step 4: Seek Medical Attention Promptly

Even if you feel fine, see a doctor within 72 hours. Delayed symptoms are common, and medical records establish a timeline linking injuries to the crash.

Step 5: File Required Reports and Notify Insurance

Drivers must submit a written Owner/Driver Report to the Tennessee Department of Safety within 20 days for crashes causing over $1,500 in private property damage or $400 to public property. Your insurer needs notification ASAP, even for minor damage as policies often require prompt reporting. Provide your crash report, photos, and witness info without admitting fault.

Step 6: Avoid Common Mistakes

Don’t apologize or say “I’m sorry”, it can be twisted as admitting liability. Never leave the scene; hit-and-runs carry felony charges. Skip social media posts about the accident, as insurers scour them for inconsistencies.

Understanding Your Legal Options

Tennessee is a fault state: the at-fault driver's insurance covers medical bills, lost wages, and repairs up to policy limits. If injuries linger or insurance falls short, personal injury claims may apply. The one-year statute of limitations for most injury suits starts from the crash date so don't delay.

Don't Navigate This Alone

‍Car accidents disrupt lives, but proper steps protect your rights. Contact Hagar & Phillips, Attorneys at Law at 615-784-4588 to schedule a confidential consultation. Our team will review your case, explain timelines, and build a strong claim so you can focus on recovery.

The information provided on this blog is meant for general informational purposes only and should not be construed as medical or legal advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind regarding the completeness, accuracy, reliability, or suitability of the blog content. Any reliance on this information is at your own risk. This blog may discuss legal topics, but for advice specific to your situation, consult a qualified attorney. We do not assume responsibility for actions taken based on the information herein. We are not liable for any losses or damages resulting from the use of this blog. Links to other websites are not endorsements, and technical issues may affect blog availability. By using this blog, you agree to this disclaimer. Hagar Phillips Attorneys At Law

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