What are Tennessee Motorcycle Helmet Laws?
Tennessee helmet laws require anyone operating or riding on a motorcycle to wear a helmet. Though this law has been hotly contested within the state, helmets save lives, reducing fatal head injury risks by over 40 percent. In fact, Tennessee's Vanderbilt University, which treats a large number of head injuries after motorcycle accidents, estimates that these injuries cost nearly $70,000 on average—not counting permanent disability and its effects on productivity.
In Tennessee this issue is of great concern because TennCare, the state's insurance program, bears many of the costs for motorcyclists hurt while riding without a helmet.
What are Tennessee Licensing and Insurance Requirements?
In addition to helmet laws, Tennessee requires motorcycle drivers to carry motorcycle insurance. The state requires $50,000 in coverage for property damage and at least $25,000 in coverage for bodily injury. A ten percent insurance discount can be applied for three years after a driver completes Tennessee's motorcycle safety program, a rider education program designed to reduce motorcycle accidents in Tennessee. In addition, those who seek licensure in Tennessee get their fees waived if they have completed the safety course.
Who is at fault?
Despite incentives to ride safely, Tennessee motorcycle accidents can and do occur. It is essential to identify liability in a Tennessee motorcycle accident since Tennessee is an at-fault state. This means the party determined to have caused the accident takes on responsibility for all damages. However, fault can rest on various factors: time of day, road conditions and weather, driver intoxication, and traffic conditions.
If you are in an accident
Make sure never to admit fault at the scene of an accident. Unfortunately, insurance companies as a rule do not want to pay out damages and it can be frustrating to deal with them and an accident's aftermath first-hand. For this reason, it is a good idea to retain an experienced Tennessee motorcycle accident attorney to help litigate your accident and seek monetary compensation for your injuries and for property damage.
Our Tennessee motorcycle accident lawyers can help assess and file your claim within the applicable statute of limitations and can negotiate with insurance companies to make sure you get the money you deserve to help deal with damaged property and injuries. Having a competent attorney can greatly reduce the stress and hassle of dealing with a motorcycle claim.