MVA and home improvement leads in Tennessee
Tennessee had 7,315,076 residents in the Census Bureau estimate for July 1, 2025. The Tennessee rule buyers meet first is time: an injury suit generally has to be filed within one year. Tennessee also bars recovery unless the claimant's negligence is less than the defendant's, so the accident date and the liability picture both carry weight on every Tennessee lead.
Summit Leads supplies home improvement and MVA leads in all U.S. states, including Tennessee. Buyers set filters down to the ZIP code. Leads are exclusive by default: each lead is sold to one buyer. Shared delivery is available if a buyer asks for it.
Request Tennessee lead supplyTennessee MVA leads: a one-year window and modified comparative fault
Tennessee is a fault-based state. Under Tenn. Code 55-12-139, an officer requests evidence of financial responsibility from a driver charged with a traffic violation or involved in a reportable accident, and an insurance card, binder or declaration page from an insurer authorized in Tennessee counts as that evidence. Injured people claim against the driver who caused the crash; there is no no-fault threshold.
Tenn. Code 28-3-104(a)(1) requires actions for injuries to the person to be commenced within one year after the cause of action accrued. Subsection (a)(2) extends that to two years when criminal charges are brought against a person alleged to have caused or contributed to the injury, the conduct is the subject of a criminal prosecution commenced within one year by a law enforcement officer, district attorney general or grand jury, and the injured person sues the party prosecuted.
For buyers, a one-year window is tight. A Tennessee accident that is already several months old may leave a law firm little time to gather records and negotiate before it must file, so accident age filters on Tennessee campaigns should be short. Whether the other driver was criminally charged, for example with an impaired driving offense, is also a field worth capturing, because it can bring the two-year extension into play.
Tennessee adopted modified comparative fault in McIntyre v. Balentine (1992). The Tennessee Supreme Court held that so long as a plaintiff's negligence remains less than the defendant's negligence the plaintiff may recover, with damages reduced in proportion to the plaintiff's share of the total negligence. A claimant found equally at fault recovers nothing, so liability filters (police report, citations issued, rear-end or not) matter as much as injury detail.
Sub-types, filters and the quality bar are on the MVA leads and car accident leads pages.
Tennessee home improvement leads: ownership and 1987 housing
The Census Bureau puts Tennessee's owner-occupied housing unit rate at 66.9% for 2020-2024, so about two Tennessee households in three own the home they live in. Homeowner confirmation still screens out renters before a lead reaches a contractor.
Tennessee's median housing unit dates from 1987, according to the ACS 5-year estimates for 2020-2024. Half of the stock was built in 1987 or earlier. After homeowner status, project type and the ZIP codes each contractor covers are the usual Tennessee filters.
Tennessee licensing depends on the size of the job. The Board for Licensing Contractors, in the Department of Commerce and Insurance, requires a contractor license for projects above a project-size threshold set in the statute, and a separate home improvement license for smaller residential remodeling jobs, above a lower threshold, in Bradley, Davidson, Hamilton, Haywood, Knox, Marion, Robertson, Rutherford and Shelby counties (home improvement is defined in T.C.A. 62-6-501). Sales made at the home fall under the Tennessee Home Solicitation Sales Act: T.C.A. 47-18-703 lets the buyer cancel until midnight of the third business day after signing.
Project types and filters are listed on the home improvement leads and roofing leads pages.
Consent records for Tennessee leads
Each lead carries its TCPA consent record (opt-in language, timestamp, IP address and page URL), so the record travels with the lead to your system.
With a one-year injury window, Tennessee MVA leads are often called quickly, and every call relies on consent. Each Tennessee lead arrives with its federal TCPA consent record: the wording the consumer agreed to, when, from which IP address and on which page. Keep it with the file and forward it to any law firm or contractor that makes contact. State telemarketing statutes for Tennessee are not covered here, so check them against your own dialing and texting practice.
Our guide to state telemarketing laws compares the states that add rules on top of the TCPA.
Tennessee facts for lead buyers
| Fact | Value | Source |
|---|---|---|
| Auto insurance system | Fault-based; evidence of financial responsibility required on request (Tenn. Code 55-12-139) | Tenn. Code 55-12-139, Evidence of financial responsibilityJustia |
| Personal injury statute of limitations | One year (Tenn. Code 28-3-104(a)(1)) | Tenn. Code 28-3-104, Personal tort actionsJustia |
| Extension when criminal charges are brought | Two years if the listed conditions are met (Tenn. Code 28-3-104(a)(2)) | Tenn. Code 28-3-104, Personal tort actionsJustia |
| Comparative fault rule | Modified: recovery only if the plaintiff's negligence is less than the defendant's (McIntyre v. Balentine, 1992) | McIntyre v. Balentine, 833 S.W.2d 52 (Tenn. 1992)Justia |
| Population | 7,315,076 (July 1, 2025, Vintage 2025 estimate) | QuickFacts: TennesseeU.S. Census Bureau |
| Owner-occupied housing unit rate | 66.9% (ACS 2020-2024) | QuickFacts: TennesseeU.S. Census Bureau |
| Median year structure built | 1987 (ACS 5-year 2020-2024) | Table B25035, Median Year Structure Built: Tennessee (ACS 5-Year 2020-2024)U.S. Census Bureau |
| Contractor licensing | Contractor license above a project-size threshold; home improvement license for smaller residential jobs in nine counties (Board for Licensing Contractors) | Home Improvement Contractor licenseTennessee Board for Licensing Contractors |
| Home solicitation cancellation | Three business days: until midnight of the third business day after signing (T.C.A. 47-18-703) | Tenn. Code 47-18-703, Cancellation; buyer's rightsJustia |
Last reviewed: September 19, 2026. A summary for education, not legal advice.
Tennessee lead buying questions
Is Tennessee an at-fault state?
Yes. Tennessee is fault-based, drivers must be able to show evidence of financial responsibility such as an insurance card, and an injured person claims against the driver who caused the crash.
How long do Tennessee accident victims have to file suit?
One year after the cause of action accrued, under Tenn. Code 28-3-104(a)(1). The period extends to two years when criminal charges are brought against the person alleged to have caused the injury and the other conditions in 28-3-104(a)(2) are met.
Why do Tennessee buyers use short accident age filters?
Because the one-year deadline leaves little time. A lead that reaches a firm months after the crash may not leave enough of the window to investigate and negotiate before filing.
Can a partly at-fault Tennessee claimant recover?
Yes, if their negligence is less than the defendant's, with damages reduced by their share, under McIntyre v. Balentine (1992). A claimant who is equally or more at fault recovers nothing.
Does it matter whether the other driver was charged with a crime?
It can. When criminal charges are brought and the conditions in Tenn. Code 28-3-104(a)(2) are met, the injured person has two years instead of one to sue the party prosecuted.
Can we buy Tennessee home improvement leads by ZIP code?
Yes. Summit Leads supplies home improvement and MVA leads in all U.S. states, including Tennessee, and buyers choose the states or ZIP codes they buy in, with homeowner confirmation as a standard filter.
Request Tennessee lead supply
Tell us the verticals you buy in Tennessee, the ZIP codes you cover, your daily volume and how you take delivery. Return terms are discussed on the onboarding call and agreed before going live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- Leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
Or write to team@summitleads.ai. We reply by email.
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