Tennessee Car Accident Claim Process

If a negligent driver injures you in a Nashville, TN car accident, you have the right to seek compensation against the at-fault driver for the damages you suffered. This might provide money for medical expenses, lost wages, and pain and suffering. However, you might be confused about your legal rights and options.

An experienced Tennessee car accident claim lawyer at Labrum Law Firm Personal Injury Lawyers can guide you through the Tennessee car accident claim process. Obtaining fair compensation for you is our top priority.

Contact our law office in Nashville, Tennessee, at 615-685-8546 for a free consultation with a Tennessee car accident claim attorney.

How Labrum Law Firm Personal Injury Lawyers Can Help With the Tennessee Car Accident Claim Process

How Labrum Law Firm Personal Injury Lawyers Can Help With the Tennessee Car Accident Claim Process

At Labrum Law Firm Personal Injury Lawyers, our Nashville car accident lawyer has been recognized as Expertise Best Personal Injury Lawyers in Nashville and Franklin, Tennessee. You can trust that we have the knowledge and experience to capably guide you through the Tennessee car accident claim process.

When you hire our Nashville, TN, firm, our Nashville personal injury attorney will:

  • Meet with you to discuss how the accident occurred, determine who is responsible for it, and learn how your injuries affect your daily life
  • Investigate your case and gather evidence to establish liability
  • Advise you whether you have a viable case and your legal options for seeking financial recovery
  • Calculate the actual costs of your injuries and prepare a demand letter that reflects them
  • Ensure you receive proper medical treatment for your injuries
  • Communicate with insurance companies and manage your claim paperwork
  • Answer any questions you have throughout the claims process
  • Negotiate for fair compensation on your behalf

Learn more about how we can help when you contact us for a free case review with our Tennessee car accident claim attorney.

Reporting the Accident

While every case is unique, the Tennessee car accident claims process typically involves reporting the accident. After the accident, you will report it to local authorities. You must also file a written crash report within 20 days of the accident.

You will also contact the at-fault driver’s liability insurance to begin the claim process.


The insurance company assigns a claims adjuster to your case. The adjuster begins investigating the case to determine how the accident occurred, who was at fault, and whether insurance coverage applies.

Your lawyer can also conduct an investigation, which may involve:

  • Reviewing the accident report
  • Interviewing witnesses
  • Looking at photos or videos of the scene
  • Reviewing medical records
  • Reading damage assessments

Depending on the circumstances, your car accident lawyer may hire expert witnesses to bolster your claim further.

Calculation of Damages

Your car accident lawyer will calculate the full extent of your damages, which may include:

  • Past and ongoing medical expenses, including ambulance rides, emergency room visits, hospital stays, diagnostic tests, and doctor visits
  • Future anticipated medical expenses
  • Lost wages and reduced earning capacity
  • Costs to repair or replace your vehicle
  • Out-of-pocket expenses
  • Pain and suffering
  • Mental anguish

Your lawyer can help obtain the documents to establish all of your losses.

Demand Letter

After your lawyer has conducted an investigation and documented your damages, they can prepare a demand letter that details the following information:

  • How the accident occurred
  • The extent of your injuries
  • Why the insured is responsible for the accident
  • The amount of compensation you agree to accept in exchange for not suing the at-fault party

Your lawyer handles these details so you can focus on your recovery.

Initial Settlement Offer

The insurance company may make an initial settlement offer after receiving your demand letter. Often, this initial offer may only include enough money to cover your medical treatment, if that. However, your lawyer can respond with a counteroffer that would provide additional compensation. It is important to keep in mind that any settlement you accept will be all the compensation you receive for the claim, so you want to ensure that it fairly compensates you for your damages.


Your lawyer and the insurance company may go through several rounds of negotiations before they reach a final settlement amount.

Time Limit for Filing a Tennessee Personal Injury Lawsuit

Tennessee has one of the shortest timelines for filing a personal injury lawsuit. Under the Tennessee statute of limitations, car accident victims only have one year from the date of the accident to file a lawsuit against the party responsible for their injuries. This is not a lot of time to get through the steps of the Tennessee car accident claim process.

You must file a lawsuit before this time limit expires or forfeit your right to recover compensation for your injuries. Protect your rights by contacting an experienced car accident lawyer today.

Contact Our Tennessee Car Accident Claim Lawyer Today for a Free Initial Consultation

If you would like assistance through the Tennessee car accident claim process, reach out for legal assistance. Labrum Law Firm Personal Injury Lawyers is here to guide you through every step of the process in Nashville, TN. Contact us today for a free case review with our Tennessee car accident claim attorney.

After an accident knowing the right questions to ask a car accident lawyer can significantly impact your case.