Just been in a car accident in Franklin, Tennessee? Take a deep breath. Whether it’s a minor fender bender or something more serious, what you do in those next few minutes and hours can make all the difference — legally, financially, and for your physical wellbeing. This guide walks you through exactly what to do after a crash, tailored to Tennessee laws and Franklin-specific considerations.
Here are the 7 essential steps every driver in Franklin should follow after an accident.
1. Prioritize Safety: Secure the Scene & Check for Injuries
Your safety and the safety of others comes first — always. If your vehicle is still drivable, carefully pull over to the side of the road and turn on your hazard lights to alert other drivers. If anyone is injured, don’t move them unless there’s a fire or immediate danger. Stay calm, keep your seatbelt on if you’re still in the car, and try to mentally record what just happened so you can provide accurate information later.
Even if the crash seems minor, don’t dismiss the potential for hidden injuries or damage. What looks like a simple bump can lead to serious issues later, especially when adrenaline is masking symptoms.
2. Call 911: When to Report an Accident to Franklin Police (TN Law § 55-10-106)
Under Tennessee law, any accident resulting in injury, death, or more than $50 in property damage must be reported to the police. That includes most collisions — even ones that might seem minor at first glance. Calling 911 ensures that an official police report is created, which becomes critical documentation for insurance claims and potential legal matters.
When speaking with the dispatcher, clearly state your location, describe any visible injuries or hazards, and follow their instructions. The police will investigate and file a formal report. You’ll receive a report number, which your insurance provider will need.
More details are available directly from the Tennessee Department of Safety.
3. Exchange Information: What Details You MUST Get
Once the scene is secure and emergency services are notified, exchange information with the other driver(s) involved. At minimum, collect their full name, contact information, insurance company and policy number, driver’s license number, and the vehicle’s make, model, and license plate number. Don’t forget to note the time, location, and road conditions — those small details often matter later.
Be polite and cooperative, but avoid discussing fault at the scene. Even well-intentioned comments can be used against you later. Stick to the facts and gather as much information as possible.
4. Document Everything: Photos, Notes, and Witnesses
Your phone is your best tool after a crash. Take wide-angle shots of the entire scene, close-ups of any vehicle damage, and photos of road signs, skid marks, or debris. Capture the positions of the cars before they’re moved — especially if the police haven’t arrived yet. This evidence can prove invaluable when establishing what happened.
If there are witnesses nearby, approach them calmly and ask for their contact information. Their third-party perspective may support your version of events. Jot down notes on your phone or paper while details are fresh in your mind. Include what direction each vehicle was traveling, what traffic signals were visible, and how the crash occurred.
5. Seek Medical Evaluation (Even if You Feel Fine)
One of the biggest mistakes after an accident is skipping medical care because you “feel fine.” Injuries like whiplash, internal bruising, or concussions can take hours or even days to show symptoms. The longer you wait, the harder it becomes to link these injuries to the accident for insurance or legal purposes.
Visit a doctor, urgent care clinic, or emergency room as soon as possible. Let them know you were in a motor vehicle accident, and ask them to document everything. Keep copies of all medical records and receipts — you’ll need them during the claims process.
6. Notify Your Insurance Company Promptly
Once you’re safe and stable, contact your insurance provider to report the accident. Stick to the basic facts without speculating or assigning blame. Share what happened, provide the police report number (if applicable), and give them the other driver’s insurance details.
Your agent will guide you through the next steps, which may include meeting with an adjuster or scheduling a vehicle inspection. If your car isn’t drivable, ask if your policy includes rental coverage or towing reimbursement. Being proactive now prevents delays in processing your claim later.
7. Know Your Rights: Choosing Your Collision Repair Shop in Tennessee
One of the most common misconceptions after an accident is that you must use the repair shop your insurance company recommends. In Tennessee, that’s simply not true. You have the legal right to choose your own collision repair shop, and insurers can’t steer you toward a specific provider.
This matters more than you might think. At Cool Springs Collision, we provide expert collision repair services using OEM parts, certified technicians, and state-of-the-art equipment. We work with all major insurance companies but always put your best interests first — not theirs.
What NOT to Do After an Accident in Franklin
- Don’t leave the scene, even if the damage seems minor. That can lead to criminal charges under Tennessee law.
- Don’t admit fault or apologize at the scene — those words can be misinterpreted and used against you later.
- Don’t skip collecting evidence. Lack of documentation often undermines your case more than you’d expect.
- Don’t delay medical treatment. Waiting too long risks both your health and your claim.
Next Steps: Getting a Repair Estimate from Cool Springs Collision
Once you’ve followed these steps and filed your report, bring your vehicle to Cool Springs Collision for a thorough, transparent repair estimate. We’ll walk you through every line item, explain your options, and help you make informed decisions — no pressure, just honest guidance when you need it most.
Need a tow? We’ve got you covered with reliable 24-hour towing in Franklin. Drive a Toyota? We’re also a Toyota Certified Collision Center, which means factory-trained technicians and genuine parts every time. Schedule Your Free Estimate today — walk-ins are always welcome.
FAQs About Post-Accident Procedures in Franklin, TN
Q: Do I have to call the police after a minor accident in Tennessee?
A: Yes. Tennessee law requires reporting any accident involving injury, death, or damage over $50. Most fender benders exceed that threshold. It’s better to call and ensure everything is properly documented.
Q: What happens if I leave the scene of a car accident in TN?
A: Leaving the scene of an accident — no matter how minor — is illegal. It may be classified as a misdemeanor or felony depending on the circumstances. Always stay at the scene, check for injuries, and follow the proper steps.
Q: Who determines fault in a Tennessee car accident?
A: Tennessee follows an “at-fault” system, meaning the party responsible for the accident bears financial responsibility. Fault is typically determined through police reports, insurance investigations, and witness statements. Learn more at the Tennessee Department of Commerce & Insurance.
Q: Can I choose my own repair shop after an accident?
A: Absolutely. Tennessee law gives you the right to select any licensed repair facility. Don’t let your insurer pressure you into using a shop that cuts corners or uses aftermarket parts.
Q: Should I go to the doctor even if I feel fine after a crash?
A: Yes. Injuries can have delayed symptoms, and failing to seek medical attention could jeopardize both your health and any future insurance claims. Always get checked out — better safe than sorry.
Involved in an Accident Near Franklin?
Follow the steps above — and then let us take it from here. Whether you need towing, damage assessment, or full repairs, Cool Springs Collision is here to help with care, speed, and expertise.
Have questions? Call us anytime at (615) 488-9050.