Core Tennessee Statutes

• Tenn. Code Ann. §56-7-1201 — uninsured and underinsured motorist coverage and waiver.
• Tenn. Code Ann. Title 55, Chapter 12 — financial-responsibility requirements.
• Tenn. Code Ann. §29-20-101 et seq. — Tennessee Governmental Tort Liability Act.

Leading Tennessee Decisions

• McIntyre v. Balentine, 833 S.W.2d 52 (Tenn. 1992) — adoption of modified comparative fault.
• Alcazar v. Hayes, 982 S.W.2d 845 (Tenn. 1998) — notice-prejudice rule in UM/UIM insurance.
• American Justice Insurance Reciprocal v. Hutchison (Tenn. 2000) — extension of Alcazar’s prejudice framework to liability-policy notice provisions.

Tennessee uses modified comparative fault and has detailed UM/UIM statutory procedures. Match the claim to current statutes, later appellate decisions, notice requirements and the actual insurance contract.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.