Tennessee Car Accident Settlement Calculator

What Is a Tennessee Car Accident Settlement Calculator?

A car accident settlement calculator is a digital tool designed to estimate how much compensation you might receive after a vehicle accident. It uses factors like:

• Medical bills
• Lost wages
• Injury severity
• Vehicle damage
• Who was at fault

Tennessee has unique legal rules that affect these payouts, so this calculator is tailored specifically to Tennessee car accident laws, including Modified Comparative Negligence and insurance policy limits.

How Does the Calculator Work?

This calculator uses a formula that factors in economic damages (like your bills and lost income) and non-economic damages (like pain and suffering).

Here’s how it breaks down:

1. Input Your Expenses

• Medical Bills: Out-of-pocket and insurance-covered costs
• Lost Wages: Time missed from work
• Future Medical: Expected ongoing treatments

2. Indicate Recovery Time

• Longer recovery usually means higher non-economic damages.

3. Vehicle Value and Damage

• Enter your car’s value before the accident
• Use the slider to indicate damage severity (minor to totaled)

4. Injury Severity

• Ranges from minor (whiplash) to severe (spinal injury, TBI)
• Each level includes a multiplier that increases your pain & suffering compensation

5. Your Fault Percentage

• Tennessee follows a Modified Comparative Negligence rule:
  • If you’re 50% or more at fault, you get nothing
  • If you’re less than 50% at fault, your payout is reduced by that percentage

6. Insurance Policy Limits

• The at-fault driver’s insurance caps how much you can collect
• Tennessee’s minimum coverage is $25,000 for both bodily injury and property damage

7. Add Special Case Factors

Boost your potential settlement by checking if any apply:

• Was a police report filed?
• Were there independent witnesses?
• Was the at-fault driver under the influence (DUI)?
• Was a commercial vehicle involved?
• Do you have a lawyer?
• Do you have pre-existing conditions (may reduce your claim)?

Why Use a Settlement Calculator?

Quick Results

Instantly get a rough estimate of your case’s value without talking to an attorney right away.

Educated Decisions

Understand how different inputs affect your claim—so you can negotiate smarter or know what to expect.

Confidence in Conversations

Bring this estimate to your consultation with a personal injury lawyer or insurance adjuster.

Understanding Tennessee’s Fault Laws

Tennessee uses a Modified Comparative Fault system with a 50% bar rule. Here’s what it means:

• If you’re 49% or less at fault, you can recover damages.
• If you’re 50% or more at fault, you’re barred from any recovery.
• Your payout is reduced by your share of fault. For example:
  • $50,000 settlement – if you’re 20% at fault → You get $40,000.

This makes accurately estimating your percentage of fault critical.

Example Settlement Scenarios

Scenario A

• Medical Bills: $5,000
• Lost Wages: $2,000
• Moderate injury (Multiplier 2.5)
• 20% at fault
• Vehicle worth $10,000 – Moderate damage
  → Estimated Payout: $18,000–$22,000 (after fault deduction)

Scenario B

• Medical Bills: $15,000
• Surgery required (Severe Injury: Multiplier 5.0)
• Recovery Time: 120 days
• At-fault driver was DUI
• 10% fault on your part
  → Estimated Payout: $75,000–$100,000+ (capped by policy limits)

Important Limitations to Know

While the calculator gives a helpful estimate, remember:

• Policy Limits Cap Your Settlement – even if your damages are higher
• Non-Economic Damages Have Caps in TN
  • Most injuries: $750,000 cap
  • Catastrophic injuries: Up to $1 million

Also, results are only as accurate as your inputs.

Use the Tennessee Settlement Calculator Now

Use the form above to get your estimate. You’ll see:

• A range (low to high)
• Breakdown of damages
• Adjustments based on fault
• Final estimated payout

It’s a powerful first step toward understanding what your car accident case could be worth in Tennessee.

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