Chattanooga Car Accident Lawyer
Relentless Trial Lawyers for Seriously Injured Crash Victims in Tennessee
At Whitfield Crosby & Flynn, we know that a car accident can change your life in a matter of seconds. What comes after — the hospital visits, the insurance adjusters, the lost income, the uncertainty — can be just as devastating. If the crash wasn’t your fault, you shouldn’t have to shoulder that burden alone.
Our Chattanooga car accident lawyers represent individuals and families who have been seriously injured or lost a loved one in a motor vehicle crash. We are not a billboard law firm. We’re not here to take the first offer and close your file. We’re trial lawyers. When the stakes are high and the insurance company won’t do what’s right, we take cases to court — and win.
Serious Representation for All Types of Motor Vehicle Collisions in Chattanooga
Car accident litigation isn’t just about fender-benders and quick settlements. Many of our clients come to us after catastrophic events — the kind of violent, high-impact crashes that leave behind totaled vehicles, airlifted victims, and life-altering injuries. Cases we handle include:
- Head-on collisions
- T-bone accidents at intersections
- Rear-end crashes at high speeds
- Multi-vehicle and chain reaction accidents
- Drunk driving and impaired driving accidents
- Distracted driving collisions, including texting while driving
- Accidents involving pedestrians, cyclists, and motorcyclists
- Uninsured and underinsured motorist claims
- Fatal car crashes resulting in wrongful death lawsuits
We also have extensive experience with truck accidents, motorcycle accidents, and pedestrian injuries, each of which presents its own set of legal and factual challenges. If the crash involves commercial vehicles, defective parts, or complex insurance issues, we are fully equipped to take the case all the way to trial if that’s what justice requires.
Understanding Tennessee’s Auto Insurance and Liability Laws
Tennessee is a fault-based state when it comes to auto insurance. That means the driver who caused the crash is responsible for the damages, and their insurance company is supposed to pay. But proving fault isn’t always easy — especially when the other side is fighting to avoid liability.
Under Tennessee law, drivers are required to carry minimum liability insurance of:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury per accident
- $25,000 for property damage
These minimums are often far too low to cover the real costs of a serious injury. That’s where uninsured/underinsured motorist (UM/UIM) coverage comes into play. If you’ve been hit by someone with no insurance or inadequate coverage (more than one in five Tennessee drivers are uninsured), your UM/UIM policy may provide compensation — but even then, your insurance company may try to limit your claim.
We know how to handle these cases. We dig into every available source of recovery, from at-fault drivers and vehicle owners to employers, third parties, and your own insurance carrier. And we don’t stop until we’ve exhausted every option.
What If You Were Partially at Fault?
Tennessee follows a rule called modified comparative negligence, which means your compensation can be reduced if you’re found partially at fault — but you can still recover damages as long as you were less than 50% responsible.
For example, if your damages total $500,000 but a jury finds you 20% at fault, you can still recover $400,000. But if you’re found 50% or more at fault, you recover nothing.
Insurance companies love to exploit this rule to their advantage. They’ll point fingers, manipulate the narrative, and try to shift blame to lower their payout or avoid liability altogether if they can. Our job is to push back — to investigate the facts, reconstruct the accident, and present compelling evidence that tells the real story of what happened.
Help With Catastrophic Injuries in Chattanooga Car Accidents
Many of our clients suffer catastrophic injuries that require ongoing care and drastically alter their lives. These include:
- Traumatic brain injuries (TBI)
- Spinal cord injuries and paralysis
- Neck and back injuries, including herniated discs
- Severe burns and disfigurement
- Fractures and orthopedic injuries
- Amputations
- Internal organ damage
- Psychological trauma, including PTSD
Our firm works closely with medical experts, life care planners, vocational rehabilitation professionals, and economists to accurately calculate damages — not just current medical bills, but future care costs, lost earning capacity, and non-economic damages like pain, suffering, and loss of enjoyment of life.
Preparing for Trial From Day One
Unlike firms that handle car accident claims with a volume-based, settlement-first approach, we treat every case as a potential trial. That changes everything — from how we investigate the crash to how we negotiate with the other side.
Insurance companies recognize our name. They know that when we show up, we’re not bluffing. And that makes them think twice before dragging their feet or making lowball offers.
Our Chattanooga personal injury attorneys are skilled litigators with a long record of courtroom success. We know how to present compelling cases to juries, cross-examine expert witnesses, and dismantle the defense’s strategy — all in pursuit of full and fair compensation for our clients.
Why Choose Whitfield Crosby & Flynn?
We’re not here for quick wins. We’re here for real justice — the kind that takes time, effort, resources, and relentless advocacy. Our firm stands out because:
- We focus on serious injury and wrongful death litigation.
- We prepare every case for trial from day one.
- We treat our clients like partners, not case numbers.
- We have a proven record of results in Chattanooga and beyond.
- We bring deep knowledge of Tennessee tort law, local courts, and complex insurance issues.
When the fight is big and the injuries are life-changing, experience matters. Judgment matters. And results matter.
Call Our Chattanooga Car Accident Lawyers Today
If you’ve been seriously hurt or lost a loved one in a car accident in Chattanooga, don’t take chances with your future. Contact Whitfield Crosby & Flynn today. We’ll sit down with you, review your case, explain your options, and get to work building the strongest claim possible.
We don’t charge a fee unless we win.
Schedule a free, confidential consultation with a Chattanooga car accident attorney who’s ready to fight — in negotiations, in court, and all the way through trial.