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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 information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Tennessee Code Annotated. For advice about your specific situation, consult a licensed attorney.

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