Tennessee Personal Injury Settlement Calculator

What Does the Tennessee Personal Injury Calculator Do?

This tool helps you estimate a potential settlement amount for your personal injury claim in Tennessee by considering:

• Medical expenses (past and future)
• Lost wages
• Property damage
• Pain and suffering (non-economic damages)
• Your percentage of fault
• Insurance policy limits
• Attorney fees and case costs

The calculator uses actual Tennessee legal rules, like:

• Modified comparative fault (49% bar rule): You can only recover damages if you’re 49% or less at fault.
• Cap on pain and suffering: Tennessee limits non-economic damages to $750,000 in most cases.

How the Calculator Works

Here’s a simple explanation of what’s happening behind the scenes:

1. Input your data:
   • Medical bills
   • Lost wages
   • Property damage
   • Fault percentage (0–100%)
   • Severity of your injuries
   • Optional: insurance limits, attorney fee, case costs
2. Calculator logic:
   • Adds up all your economic damages (money you actually lost).
   • Multiplies those by a factor (1.5 to 4.5) based on injury severity to estimate non-economic damages (pain, trauma, suffering).
   • Applies the 49% bar rule: if you’re 50% or more at fault, you get $0.
   • Caps your non-economic damages at $750,000 (Tennessee law).
   • If you enter an insurance policy limit, the calculator won’t go over it.
   • Subtracts attorney fees and case costs to show your net recovery.
3. Outputs:
   • Total estimated settlement
   • Breakdown of economic vs. non-economic damages
   • Deductions for fault, legal fees, and costs
   • Final take-home estimate

Why Use a Tennessee-Specific Settlement Calculator?

Generic calculators don’t cut it. Tennessee has unique rules that can drastically change your outcome:

• If you’re 50% at fault? You get nothing.
• High medical bills with a minor injury? Your pain & suffering value may stay low.
• A large settlement? It might still be capped if the other driver’s policy is low.

This tool is built for Tennessee laws, not guesswork.

Example Scenarios

Scenario A: Minor Injury, Low Fault

• Medical bills: $15,000
• Lost wages: $5,000
• Property damage: $8,000
• Injury: Minor
• Fault: 10%

Estimated Net Recovery: Around $23,000–$26,000

Scenario B: Severe Injury, Higher Damages

• Medical bills: $50,000
• Lost wages: $30,000
• Property damage: $10,000
• Injury: Severe
• Fault: 20%
• Insurance limit: $100,000

Estimated Net Recovery: Capped at $100,000 (due to policy limit), minus fees.

Important Notes & Legal Tips

• This calculator gives an estimate, not a guarantee.
• The law limits what you can claim — even if your case is strong.
• Attorney fees usually range from 33.3% (before litigation) to 40% (after).
• Settlements often take months or longer to finalize, depending on case complexity.

Ready to Estimate Your Injury Claim?

Just plug your numbers into the calculator above. It’s free, instant, and tailored to Tennessee law.

Need a second opinion? Consult with a qualified personal injury attorney in Tennessee. This tool gives you a solid starting point, but legal advice is key to real results.

Built-In Legal Accuracy

Here’s why this tool is more than just a number cruncher:

• It enforces Tennessee’s 49% modified comparative fault rule.
• It caps pain and suffering at the $750,000 legal limit.
• It calculates attorney fees based on standard percentages.
• It applies policy caps when applicable.
• It breaks down everything clearly: what you’re owed, what gets deducted, and what you may actually take home.

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