No. Tennessee is an at-fault (tort) state. The driver who causes an accident, and their insurance company, is responsible for the other people’s injuries and property damage.
Because Tennessee doesn’t require personal injury protection, your own injuries are paid by the at-fault driver’s liability insurance, your health insurance, or optional coverages on your own policy, such as Medical Payments and Uninsured/Underinsured Motorist coverage.
Tennessee follows a modified comparative fault rule: you can recover damages as long as you’re less than 50% at fault, but your recovery is reduced by your share of the fault.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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