TENNESSEE AUTO INSURANCE GUIDE
Tennessee Crash Damages, Noneconomic Damage Caps & Property Loss
Tennessee generally caps noneconomic damages at $750,000 for each injured plaintiff. The cap increases to $1,000,000 for statutorily defined catastrophic loss or injury, subject to statutory exceptions where the cap does not apply.
- Economic damages such as medical expenses and wage loss are analyzed separately from the noneconomic cap.
- Catastrophic-loss status is defined by statute and should not be assumed from injury severity alone.
- The statute contains exceptions involving specified intentional conduct, evidence destruction, intoxication and felony conduct.
- Pending proposals to increase the caps are not treated as enacted law.
Primary Tennessee Source
Tenn. Code § 29-39-102 — Civil Damage Awards
Current-law review: September 17, 2026. Current enacted limits are $750,000 generally and $1,000,000 for statutory catastrophic loss.
VictimsGuide 