I was running an errand for my employer last week and was in car wreck. The other driver ran a red light and broad-sided me. My car was totaled and I spent three days in the hospital. What are my rights?
You have two potential claims. First, you have a worker’s compensation claim because you were injured in the course of employment (assuming your employer has five or more employees).
Second, you have a claim against the driver of the other car. This is called a "tort" claim.
I was in a car wreck last week. I spent five days in the hospital and am now recovering at home. I am getting a couple calls a day from the insurance adjuster for the driver that hit me. The message he left for me is that he wants to take a statement from me about how the wreck happened. Should I talk to him and give him a statement?
We do not recommend that our clients give a statement to the other driver’s insurance company. There are several exceptions to this general rule, but even then we do not permit our clients to give a statement without adequate preparation for the interview.
We do not prepare our clients by telling them what to say or encouraging them to lie. In fact, just the opposite is true: we encourage our clients to tell the truth about the circumstances giving rise to the wreck, the nature and extent of their injuries, and everything else. Preparation is necessary because insurance adjusters are trained in asking questions, and may ask questions in such a way that the unprepared witness will make mistakes. These statements are almost always tape-recorded and can be used against the person in court.
My car was t-boned at a local intersection. The guy that hit me ran the red light – and admitted that he did so – but he police officer didn’t even give him a ticket! Why was the guy not given a ticket? Did the other driver pay the police officer off?
No, the other driver did not pay off the police officer. Police officers have discretion about when they write a ticket, and sometimes they simply choose not to do so. I must confess that I don’t always understand why tickets are issued in some cases and not in others, but I think it highly, highly unlikely that a police officer would take money not to write a ticket.
The fact that no ticket was written will almost certainly not hurt your case, especially if the police report indicates that the other driver admitted fault. A statement by a police officer in a police report that the other driver admitted fault will carry a lot of weight with his insurance company as it decides whether or not to promptly resolve the claim.
The police accident report says that I was not at fault in my wreck and that the other driver was at fault. Can I used the police report as evidence at a trial to prove the wreck was not my fault?
Not in Tennessee state court. A rule of evidence specifically excludes police accident reports from the types of public records that can be admitted into evidence at trial to show how an accident occurred.
Why? Because unless the officer actually saw the accident the police report is only the officer’s opinion about what happened. That opinion may be based on solely on whether the officer believes one person or the other and may have little value in determining what actually happened.
I was in a bad car wreck. I had $50,000 in medical bills and missed eight weeks of work (I make $800 per week as a mechanic). I am probably going to have to have another surgery. My doctor also says I will have arthritis for the rest of my life. I just found out that the person who hit me only has $100,000 of liability insurance. That is not enough for what he did to me. Can I force the person who caused the wreck to pay me out of his pocket?
A person or company is always liable for all of the harm they negligently cause. A person purchases insurance to reduce his or her own risk of coming out of pocket to pay for that harm, but if the harm caused exceeds the amount of insurance purchased he or she is liable for the rest.
The problem, of course, is collecting from a person who causes harm. To make a payment to the injured person over and above the amount of insurance the person who causes harm must have assets, income, or both. Many people have very few assets and insufficient income to make a payment to the person who they hurt. If pressed, these people will often just file bankruptcy and the bankruptcy court will discharge the obligation. (There are some exceptions to this. For example, the bankruptcy court will not discharge the lawsuit-related obligation of a drunk driver or a person who intentionally harms another.)
My child was killed by a drunk driver. He was 10 years old. I want to file a lawsuit. His no-good father, who never paid child support as ordered by the court and did not visit my son for the for the five year period after our divorce, says he is going to file a lawsuit, too. Can he do that? Does Tennessee law permit him to get money from the death of our son when he had nothing to do with our son when he was alive?
Unless you have some physical or mental health issue that you have not mentioned, you will have the right to bring the lawsuit.
Tennessee law provides that a parent who has a parent who has intentionally refused or neglected to pay any support for a child for a two-year period, or for the life of the child, whichever is less, when subject to a court order requiring the payment of child support and who has intentionally refused or neglected to contact the child or exercise visitation during such period is not permitted to recover damages for the death of the child. Thus, to cut off the father’s right to money out of any recovery you make, you will have to demonstrate that (a) there was a child support order; (b) the father intentionally did not pay for at least 2 years; and (c) he intentionally did not visit the child.
I was hurt in a truck wreck, and someone told me that truck drivers and trucking companies have special rules to follow. Is that true?
Yes. In addition to the normal rules of the road (stopping a stop signs, driving the speed limit, etc.) truck drivers and trucking companies have a large number of federal regulations and state laws that they must follow. These special laws are designed to make our highways more safe.
To learn more about this subject, read our Legal Guide called "Understanding Truck Wrecks in Tennessee."
I was hurt in a car wreck last year. I having been talking with the other driver’s insurance company and they tell me that they are going to make me a settlement offer. How much time do I have to file a lawsuit in the event I don’t get the case settled on my own?
In Tennessee you ordinarily have one year from the date of a car or truck accident to file suit against the responsible parties. Do not assume you have more time unless a lawyer familiar with all of the facts advises you that you have more than one year. Failure to file suit on time will result in a loss of your rights.
However, you should not wait until the eve of the one-year deadline to contact a lawyer. A lawyer needs time to conduct an investigation and do the paperwork necessary to file a lawsuit.
I was in Chicago and riding in a taxicab that got hit by another driver from Chicago. I spent four days in the hospital in Chicago and have been continuing to see a doctor in Tennessee. What rights do I have? Do I have to go to Chicago to hold the people who hit me responsible?
People in other states have to follow the same basic rules as drivers in Tennessee, and they are responsible for the harm they cause if they are negligent in the operation of their vehicle.
However, usually a lawsuit for such claims must be brought in the place where the accident occurred or where the other driver resides. (There are some exceptions to this rule – an experienced personal injury lawyer can tell you if the driver or the driver’s employer can be sued in Tennessee.)
My daughter refuses to stop texting while she is driving. I know it is unsafe, but she won’t stop. What do I do?
I was listening to the Kim Komando show recently and she identified some great software packages for cell phones that could prevent a teenager (or anyone else) from receiving or sending texts or call while a vehicle was moving. .
The life you save could be your daughter’s.
Tennessee Injury Law Center