Pedestrian Accident claims in Union City: key facts
- Injury lawsuit deadline
- one year from the injury date (Tenn. Code Ann. § 28-3-104)
- Medical malpractice deadline
- one year, with discovery-rule exceptions
- Fault rule
- modified comparative negligence (50% bar)
- Auto insurance system
- At-fault (liability insurance pays)
- Minimum auto liability
- 25/50/25 (thousands: per person / per accident / property)
- Where lawsuits are filed
- Obion County Circuit Court
- Workers' comp agency
- Tennessee Bureau of Workers' Compensation
- Attorney fees
- Injury attorneys commonly work on contingency; confirm fee terms before hiring
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What to do after a pedestrian accident in Union City
- Get emergency medical care; head, spine and internal injuries are common in pedestrian impacts and not always obvious.
- Make sure police respond and record the driver's identity and insurance. Hit-and-run drivers are often identified later through camera footage.
- Photograph the crosswalk, signals, lighting, the vehicle and your injuries.
- Get witness contact information. Drivers frequently claim the pedestrian "darted out," and witnesses rebut that.
- Ask a lawyer to secure traffic and business camera footage before it is overwritten.
- Do not give the driver's insurer a recorded statement; comparative fault arguments against pedestrians are routine.
Tennessee law that controls a Union City pedestrian accident claim
Tennessee generally gives injured people one year from the date of the injury to file a personal injury lawsuit in the Obion County Circuit Court. Miss that window and the court will almost always dismiss the case no matter how strong it is. Claims against a city, county or state agency usually have much shorter notice deadlines, sometimes only a few months.
Tennessee follows modified comparative negligence (50% bar), which means you can recover only if you were less than 50% at fault, and your award is reduced by your share of fault. Insurance adjusters know this rule well and routinely try to shift blame onto the injured person, so what you say in the first days after an accident in Union City matters.
Tennessee uses a traditional fault-based auto insurance system. The at-fault driver's liability coverage is the primary source of compensation, and drivers are only required to carry minimum limits of 25/50/25 (bodily injury per person / per accident / property damage, in thousands). Serious injuries routinely exceed those limits, which is why underinsured motorist coverage and a careful search for every liable party matter so much.
Cases that cannot be settled are filed in the Obion County Circuit Court. Most pedestrian accidents in Obion County resolve through negotiation with the insurer, but the credible ability to try the case locally is what produces fair offers.
Who can be held responsible for a pedestrian accident in Obion County
- Drivers who fail to yield in crosswalks, run red lights or stop signs, speed, drive distracted or impaired, or back up without looking.
- Employers of drivers who were working at the time of the crash.
- Property owners whose parking lot design, lighting or signage created a hazard.
- Government bodies responsible for missing crosswalks, broken signals or dangerous road design in Union City.
- Your own auto policy's uninsured/underinsured motorist coverage, which often covers you as a pedestrian.
Evidence that wins these cases
- Police report, citations and any DUI investigation.
- Traffic signal timing records and camera video.
- Vehicle damage and event data recorder downloads.
- Scene measurements showing sight lines and lighting.
- Medical records establishing the nature and permanence of injuries.
What compensation is available
Pedestrian accident compensation in Tennessee covers emergency and ongoing medical care, rehabilitation, lost income, diminished earning capacity, and pain and suffering, and in fatal cases the family's wrongful death claim. The driver's liability policy (minimum 25/50/25) pays first; your own uninsured/underinsured motorist coverage often applies when you are hit as a pedestrian.
Frequently asked questions
I was hit outside a crosswalk in Union City. Can I still recover?
Usually yes. Drivers must exercise due care toward pedestrians everywhere. Crossing outside a crosswalk may reduce your recovery under Tennessee's modified comparative negligence (50% bar) rule, but it rarely eliminates the driver's responsibility.
What if the driver fled the scene?
Report it immediately. Police and your lawyer can identify hit-and-run drivers through cameras and paint evidence, and your own uninsured motorist coverage may pay if the driver is never found.
How long do I have to file a pedestrian injury claim in Tennessee?
Generally one year from the date of the accident, with much shorter notice deadlines for claims against public entities.
Does my own car insurance cover me as a pedestrian?
Often yes. Uninsured/underinsured motorist and medical payments coverage on your policy typically follow you when you are on foot.
How much does a pedestrian accident lawyer cost?
Most pedestrian accident attorneys work on contingency and are paid a percentage of the recovery only if the case succeeds; confirm the terms before hiring.
No charge to submit · No obligation to hire
Ready to share what happened in Union City?
Tell us where and when the accident happened, how you were injured, and whether you received treatment. Your request may be shared with independent attorneys and legal services partners who handle inquiries in Tennessee. Partner availability and case acceptance depend on the facts of your situation.
Click here for a free claim review — submit accident detailsAsk Legal Matters is a lead-generation service, not a law firm. Submitting a request does not hire an attorney. Review the contact consent and privacy policy on the form before submitting.