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Tennessee Personal Injury Laws

Tennessee has one of the shortest statutes of limitations for personal injury in the nation — just 1 year. The state follows a modified comparative fault system with a 50% bar (less than, not equal to — a plaintiff who is exactly 50% at fault is barred). Non-economic damages are capped at $750,000 ($1,000,000 for catastrophic injuries). Tennessee is a fault-based auto insurance state with 25/50/15 minimum liability limits.

Last verified: 2026-02-25

Statute of Limitations

1 yearT.C.A. § 28-3-104(a)(1)

Tennessee has a 1-year statute of limitations for personal injury actions — one of the shortest in the country. Actions must be commenced within 1 year after the cause of action accrued.

Exceptions

Wrongful Death1 year from date of deathT.C.A. § 28-3-104(a)(1)

Wrongful death actions must be commenced within 1 year of the date of death. The personal representative of the decedent's estate brings the action.

Minors1 year after turning 18T.C.A. § 28-1-106

If a person is a minor when the cause of action accrues, the statute is tolled until they reach age 18. They then have 1 year to file.

Discovery Rule1 year from discoveryT.C.A. § 28-3-104(a)(1) (judicial interpretation)

Tennessee courts apply the discovery rule in cases where the injury could not reasonably have been discovered at the time of the incident. The 1-year period begins running from the date of discovery.

Government Claims (Tennessee Claims Commission)1 yearT.C.A. § 9-8-402

Claims against the state are heard by the Tennessee Claims Commission. Claims must be filed within 1 year of the date the cause of action accrued. The state's liability is capped at $300,000 per claimant and $1,000,000 per occurrence.

Property Damage3 yearsT.C.A. § 28-3-105

Actions for damage to personal or real property have a 3-year statute of limitations.

Fault & Liability Rules

Modified Comparative Fault (50% Bar — Less Than)T.C.A. § 29-11-103

Tennessee uses a modified comparative fault system. A plaintiff can recover only if their fault is less than 50% (not equal to). If the plaintiff is 50% or more at fault, they are completely barred from recovery. This is stricter than the "51% bar" used by many states — being exactly 50% at fault bars recovery in Tennessee.

Damage Caps

Non-Economic Damages: $750,000 ($1,000,000 catastrophic)T.C.A. § 29-39-102

Non-economic damages (pain and suffering, loss of enjoyment of life, etc.) are capped at $750,000 in most cases. The cap increases to $1,000,000 for catastrophic injuries, which include: spinal cord injury causing paraplegia or quadriplegia, amputation of two or more limbs, third-degree burns covering 40%+ of body, or wrongful death of a parent leaving minor children.

Punitive Damages: Greater of $500,000 or 2x compensatoryT.C.A. § 29-39-104

Punitive damages are capped at the greater of $500,000 or 2 times the total compensatory damages awarded. A higher cap of the greater of $500,000 or 3 times compensatory applies in certain cases (e.g., intentional infliction of harm, DUI). Punitive damages require proof by clear and convincing evidence.

Auto Insurance System

Fault (Tort)T.C.A. § 55-12-102

Tennessee is a fault-based auto insurance state. Minimum liability limits are 25/50/15 ($25,000 per person, $50,000 per accident for bodily injury, $15,000 for property damage). Tennessee also requires Financial Responsibility proof and can suspend licenses for uninsured drivers.

Key Tennessee Statutes

Abolished Joint and Several LiabilityT.C.A. § 29-11-107

Tennessee abolished joint and several liability in most cases. Each defendant is liable only for their proportional share of fault. Exception: defendants who acted intentionally or in concert remain jointly and severally liable.

Seat Belt DefenseT.C.A. § 55-9-604

Failure to wear a seat belt is admissible evidence and may reduce a plaintiff's recovery. However, the reduction for failure to wear a seat belt is specifically limited and cannot be the sole basis for a comparative fault finding.

Premises Liability ReformT.C.A. § 29-34-208

Tennessee abolished the common law distinctions between invitee, licensee, and trespasser for premises liability. Property owners owe a duty of reasonable care to all lawful visitors.

Official Sources

Not Legal Advice

This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Tennessee.

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