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Is Tennessee a no-fault state?

I was driving through Tennessee, and I got into a little bit of an accident. No one was injured, thank goodness. However, there was some damage to my car and the other person’s car. Is Tennessee a no-fault state when it comes to accidents?

Kevin Martinez · Updated on Feb 25, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

First and foremost, I’m glad to hear that no one was injured!

Tennessee is not a no-fault state. It’s an at-fault state. This means that whoever is at fault for the accident will be held liable to pay for all damages and injuries.

Remember, anytime you get into an accident, you must do the following:

Call the police

Document as much as you can about the accident in writing and with pictures

Call your insurance to alert them of the accident

File an insurance claim

Your insurance agent can help walk you through who is responsible for paying what and answer any questions you may have. Try to communicate with them as much as possible via text or email so you have a record of your conversations.

Insurance can be a headache. But

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broker and comparison app, can help make it easier—and cheaper!

Jerry is an insurance comparison app that shops for low prices with over 50 insurance companies for free. You will get quotes in seconds, and if you ever have any questions, agents are just a text away. The average Jerry user saves $887 a year on car insurance.

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Should I report a car accident to my insurance company?

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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