This calculator estimates what a personal injury claim could be worth under Tennessee law. It applies Tennessee’s 50% bar rule, the one-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.
Tennessee caps non-economic damages, and the calculator applies the cap when your pain and suffering estimate passes it.
Fault. Tennessee uses modified comparative fault with a 50% bar. Your award drops by your share of fault, and at 50% or more you recover nothing, so an even split leaves you with nothing. Insurers know this, so expect them to argue your share up.
Deadline. You have one year from the injury to file a lawsuit in Tennessee. Two years if the other driver is criminally charged over the crash, such as for DUI or vehicular assault. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.
Insurance. Who pays depends on how you were hurt: auto insurance for a crash, a homeowner’s or business liability policy for an injury on someone’s property, or the at-fault party’s own assets when there is no insurance. The limit of that policy often sets the practical ceiling on a settlement.
Damage caps. $750,000 on non-economic damages, or $1 million for catastrophic injuries such as paralysis, amputation or severe burns.
Yes, as long as you were less than 50% at fault. Your award is reduced by your percentage, and at 50% or more you recover nothing.
one year from the injury in most cases. Two years if the other driver is criminally charged over the crash, such as for DUI or vehicular assault.
Usually the at-fault party’s insurer: auto, homeowner’s or business liability coverage. The policy limit often sets the practical ceiling.
Yes. $750,000 on non-economic damages, or $1 million for catastrophic injuries such as paralysis, amputation or severe burns.