Whether a driver is involved in a minor fender-bender or a serious head-on collision, it is critical to know when Tennessee motorists are required to report a car crash. Failure to fulfill these requirements could mean steep consequences for drivers, which may even impact driving privileges.
This article discusses when and where drivers are required to report a car crash in Tennessee. Insurance companies may have their own deadlines for reporting a car accident involving a policyholder’s vehicle.
Need legal help after a car crash that left you injured? If so, our experienced car accident lawyers in Chattanooga are prepared to help. We may be able to help you pursue compensation if another driver caused your accident.
Learn more about your potential legal options in a no-obligation consultation: (423) 396-0720
When Are Drivers in Tennessee Legally Required to Report a Car Crash?
In Tennessee, drivers must report any vehicle accident that results in injury, death or property damage exceeding $1,500. Reporting a crash is not just about following the law; it helps protect your rights and ensures proper documentation for insurance and legal purposes.
You must also report a crash when:
- Anyone is injured or killed
- Property damage exceeds $1,500
- Government vehicle is involved; damage exceeds $400
- Hit-and-run accident occurs
- An uninsured driver is involved
- Commercial vehicles are involved
What Details Should Be Included on a Tennessee Car Accident Report?
Filing a car accident report in Tennessee involves proper documentation to comply with state laws. Drivers must provide all relevant information about the accident, including:
- Date, time and location of the crash
- Contact details of the drivers involved
- Make, model, color and year of all vehicles, along with their License plate numbers and VINs
- Contact details of witnesses
Victims may complete and submit an official report to the state online, in person or by mail.
Are There Penalties for Not Reporting a Car Accident?
Failure to report a car accident can result in significant consequences, such as fines or suspension of your driver’s license and vehicle registration.
Additionally, not reporting an accident can complicate or invalidate any insurance claim you file for damages you incurred as a result of that accident. This could leave you with the burden of covering all costs for any potential damage and injuries.
If you are unsure about your requirements and responsibilities after an accident, our car accident lawyers, who are familiar with Tennessee traffic and accident laws, may be able to provide guidance and peace of mind throughout this process.
How Does Reporting a Car Accident Affect Your Insurance in Tennessee?
Reporting a car accident in Tennessee to your insurance company is required, even if your policy does not explicitly require it. Reporting the accident to police is also a good idea. It can give you an advantage if any injuries surface later. Having a record of the incident can support your claim.
What To Consider When Reporting a Car Accident?
Dealing With Insurance
Reporting an accident to your insurer, even a minor one, may increase your insurance premiums. An individual’s insurance being raised is not guaranteed as it is specific to the accident and risk associated with the account profile.
However, not reporting an accident and later filing a claim can have even more severe consequences, including being denied coverage. Do not avoid reporting an accident. Speak with a lawyer before you report the accident, though. In the event you are positioned to speak to an insurance provider, try to remain factual and avoid making speculative statements.
Medical Attention and Documentation
Seeking medical attention immediately after an accident, even if you do not feel hurt, is vital. Some injuries, such as whiplash or internal injuries, may not show symptoms immediately. Proper medical documentation may prove that your injuries are related to the accident, which will assist in potentially granting financial relief for medical appointments.
Why Hire an Attorney to Help With My Chattanooga Claim?
Hiring an experienced car accident attorney can greatly benefit the outcome of your case. It is no secret that victims who work with an attorney often get significantly higher settlements than those who try to manage the legal process alone.
If we manage your case, our legal team will fully investigate your accident and accurately calculate the value of your claim. We are prepared to negotiate with the insurance company on your behalf, but in the event a settlement cannot be reached, we are also prepare to represent you in court.
Need Legal Help After a Crash? Call Massey & Associates
After a car crash that leaves you injured, you may be eligible to recover compensation for the damages you sustained. If you crash and resulting injuries are the result of another’s negligence, we strongly recommend seeking legal help.
Worried about the cost? Your initial consultation is a completely free opportunity to discuss the accident that injured you, learn if you may have a case and ask other questions about the legal process.
At Massey & Associates, our experienced team is dedicated to helping car accident victims hold at-fault parties accountable for their negligent actions. We have a history of proven results, and we are prepared to fight for the full and fair compensation you deserve.
Call our trusted law firm today: (423) 396-0720
Gary Massey, Jr., is a well-known courtroom advocate practicing law in Chattanooga, Tennessee. Gary is a native of Tennessee who began practicing law in 1998. He graduated from Cumberland School of Law where he was ranked in the top 3% of his class and was an editor of the Cumberland Law Review.
