Hit-and-RunUpdated March 2026

Victim of a Hit-and-Run in Memphis?

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Key Takeaways

  • After a hit-and-run in Memphis, call 911 immediately and give the officer every detail you can remember about the vehicle — even partial license plate numbers, make, model, or color can lead to identification of the driver.
  • Tennessee has a 1-year statute of limitations for personal injury claims (Tenn. Code Ann. § 28-3-104), and if criminal charges are filed against the driver, it may extend to two years (Tenn. Code Ann. § 28-3-104(a)(2)) — but treat the one-year deadline as your working deadline.
  • Tennessee's comparative fault rule with a 50% bar (Tenn. Code Ann. § 29-11-103) still applies in hit-and-run cases, meaning the insurer may argue you were partially at fault to reduce the payout on your uninsured motorist claim.
  • Memphis faces a significant hit-and-run problem, particularly in South Memphis, Whitehaven, Frayser, and along high-traffic corridors like Lamar Avenue and Elvis Presley Boulevard — surveillance footage from nearby businesses is often overwritten within days, so gathering it quickly is critical.
  • Even if the driver is never found, you may recover compensation through your own uninsured motorist (UM) coverage — but be aware that your own insurance company will still try to minimize the payout, so do not give a recorded statement without legal advice.
  • Most personal injury attorneys offer free consultations and work on contingency, and an experienced hit-and-run attorney can subpoena traffic camera footage, assist the police investigation, and negotiate your UM claim simultaneously.
1

Call 911 immediately

Even though the driver left, call 911. You need both emergency medical attention and a police response to document the incident. The responding Memphis Police Department officer will create a crash report — essential evidence even if the driver hasn't been identified yet.

Give the officer every detail you can remember about the vehicle: make, model, color, approximate year, any damage, partial license plate numbers, direction of travel, and any distinguishing features. Even partial information can lead to identification.

2

Try to gather information before it disappears

If you are physically able, look around immediately for potential evidence. Are there security cameras on nearby businesses? Traffic cameras at the intersection? Other drivers or pedestrians who may have witnessed the incident? Dashboard cameras in nearby vehicles?

Get witness names and phone numbers. Ask if anyone got a photo or video of the fleeing vehicle. Note the exact time and location of the incident.

This window is critical — surveillance footage is often overwritten within days, and witnesses become harder to locate as time passes.

3

Get medical treatment right away

Even if your injuries seem manageable, see a doctor within 24 hours. Adrenaline and shock mask pain, and many injuries — concussions, internal bleeding, soft tissue damage — have delayed symptoms. A prompt medical evaluation creates the documented link between the hit-and-run and your injuries.

In Memphis, Regional One Health, Baptist Memorial Hospital, Methodist Le Bonheur Healthcare, and St. Francis Hospital all have emergency departments. Le Bonheur Children's Hospital handles pediatric emergencies. Urgent care clinics throughout Shelby County can treat less severe injuries.

Keep all medical records, bills, and receipts.

4

File a police report with MPD

If the police didn't respond to the scene, file a report with the Memphis Police Department as soon as possible. You can contact MPD at (901) 545-2677 or visit a district station. Provide every detail you can about the vehicle and the incident.

Ask for the report number and the investigating officer's name and badge number. Follow up regularly — hit-and-run investigations can take time, and your persistence matters.

To obtain a copy of the crash report, contact MPD Central Records at 170 North Main Street, 7th Floor, Suite 7-11, Memphis, TN 38103.

5

Contact your own insurance company

This is the critical step that many hit-and-run victims don't realize: even if the other driver is never found, you may be able to recover compensation through your own auto insurance policy.

Uninsured motorist (UM) coverage applies when the at-fault driver is unidentified or uninsured. In Tennessee, insurance companies must offer UM coverage, but drivers can reject it in writing. Check your policy — if you carry UM coverage, you can file a claim with your own insurer for medical expenses, lost wages, pain and suffering, and other damages, just as if you were filing against the other driver's insurer.

Important: Even though you're filing with your own insurance company, they will still try to minimize the payout. Do not give a recorded statement without legal advice, and do not accept a settlement until you understand the full extent of your injuries.

6

Understand Tennessee's hit-and-run laws

Leaving the scene of an accident involving injury is a serious crime in Tennessee. Under Tenn. Code Ann. § 55-10-101, drivers involved in an accident resulting in injury or death must stop, provide identification, and render aid. Hit-and-run involving injury is a Class A misdemeanor, punishable by up to one year in jail. If the accident caused death, it's a Class E felony, carrying one to six years in prison.

If the driver is identified and criminal charges are filed, the statute of limitations for your civil personal injury claim may extend from one year to two years under Tenn. Code Ann. § 28-3-104(a)(2). But don't rely on this — treat the one-year deadline as your working deadline.

7

Know Tennessee's 1-year statute of limitations

Under Tenn. Code Ann. § 28-3-104, you have only one year from the date of the accident to file a personal injury lawsuit. If the driver is identified, you file against them directly. If the driver is never found, you file a UM claim with your own insurer — and some policies have their own deadlines for reporting claims.

Act quickly. The sooner you begin, the better your chances of both identifying the driver and preserving your legal options.

8

Consult an attorney who handles hit-and-run cases

Hit-and-run cases require a special approach: pursuing investigation to identify the driver while simultaneously building a UM claim in case the driver is never found. An experienced attorney can work with police to assist in the investigation, subpoena traffic camera and surveillance footage, file and negotiate your UM claim, and protect you from your own insurance company's tactics to minimize the payout.

Most personal injury attorneys offer free consultations and work on contingency — you pay nothing unless they recover compensation.

Memphis Hit-and-Run Facts

1 Year

statute of limitations for personal injury claims in Tennessee (may extend to 2 years if criminal charges are filed)

Tenn. Code Ann. § 28-3-104

Class A Misdemeanor

hit-and-run involving injury in Tennessee — up to 1 year in jail

Tenn. Code Ann. § 55-10-101

Class E Felony

hit-and-run involving death in Tennessee — 1 to 6 years in prison

Tenn. Code Ann. § 55-10-101

UM Coverage

your own uninsured motorist policy may cover hit-and-run injuries even if the driver is never identified

Tennessee insurance law

Hit-and-run in Memphis: a persistent problem

Memphis faces a significant hit-and-run problem, particularly in pedestrian crashes. The combination of high-speed arterial roads, limited street lighting in some neighborhoods, and heavy traffic creates conditions where hit-and-runs occur with troubling frequency. Areas in South Memphis, Whitehaven, Frayser, North Memphis, and along high-traffic corridors like Lamar Avenue, Summer Avenue, and Elvis Presley Boulevard see elevated hit-and-run rates. Memphis Police investigate hit-and-run cases, but identification of the fleeing driver often depends on available evidence — traffic cameras, business surveillance footage, witness reports, and vehicle part fragments left at the scene. The faster this evidence is gathered, the better the chances of identification.

How uninsured motorist coverage works

UM coverage exists specifically for situations like hit-and-runs. If you carry UM coverage on your auto policy, you can file a claim with your own insurer for damages caused by an unidentified or uninsured driver. UM claims can cover medical expenses, lost wages, pain and suffering, and other damages. Tennessee law requires insurance companies to offer UM coverage, but policyholders can reject it in writing. If you didn't specifically reject UM coverage, you likely have it. Check your declarations page or call your insurance agent to confirm. Be aware that even though you're filing with your own insurer, this is an adversarial process. Your insurance company has a financial incentive to pay as little as possible. An attorney experienced in UM claims can level the playing field.

What if the driver is found later?

If the hit-and-run driver is identified — whether through police investigation, camera footage, witness tips, or forensic evidence — you can pursue a direct claim against them and their insurance. If you've already filed a UM claim, your insurer may have subrogation rights to recover what they paid from the at-fault driver. Your attorney can coordinate both claims to maximize your total recovery.

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Hit-and-Run FAQ — Memphis & Tennessee

Yes — if you carry uninsured motorist (UM) coverage on your own auto policy. UM claims cover medical expenses, lost wages, pain and suffering, and other damages from hit-and-run accidents.

You have one year from the date of the accident under Tennessee law (Tenn. Code Ann. § 28-3-104). Your insurance policy may also have its own deadlines for reporting a UM claim — check your policy and report promptly.

Your options are more limited, but not necessarily eliminated. If the driver is identified, you can pursue a claim against them directly. You may also have other coverage (medical payments coverage, health insurance) that can help with medical bills. An attorney can review all potential sources of compensation.

Absolutely. A police report is essential evidence for any claim — UM or otherwise. It officially documents the incident and triggers an investigation.

Partial license plate numbers, vehicle make/model/color, surveillance camera footage (from traffic cameras, businesses, and home security systems), witness statements, paint transfer or vehicle parts left at the scene, and dashcam footage from nearby vehicles.

The same steps apply. Report to police, get medical treatment, and check whether you have UM coverage on any auto policy. Even if you don't own a car, you may be covered under a household member's auto policy or through the Tennessee Crime Victims Compensation Fund.

Yes. Under Tennessee law (Tenn. Code Ann. § 55-10-101), leaving the scene of an accident involving injury is a Class A misdemeanor. If the accident caused death, it's a Class E felony. Criminal charges can lead to the driver's identification, which helps your civil claim.

Tennessee's comparative fault rules still apply. If you are less than 50% at fault, you can recover damages reduced by your percentage of fault. The insurer may argue you were partially at fault — for example, by crossing against a signal or driving without lights — to reduce the payout.

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InjuryNextSteps.com provides general informational content and is not a law firm. The information on this page does not constitute legal advice and should not be relied upon as such. Every accident is different. Contacting us does not create an attorney-client relationship. If you need legal advice, consult a licensed attorney in your jurisdiction. The legal information on this page references Tennessee statutes and is current as of 2026 but may change. Always verify with a qualified attorney.

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