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Tennessee Medical Malpractice Laws

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Published: 20 Feb 2019 • 23 min read

In Tennessee, the Health Care Liability Act (Tenn. Code § 29-26-101 et seq.) governs medical malpractice claims. A lawsuit generally must be filed within one year of discovering the injury and no later than three years after the negligent act, with narrow exceptions. Before filing, the claimant must give 60 days' written notice and must file an expert-backed certificate of good faith with the complaint. Noneconomic damages are generally capped at $750,000.

Families who search for Tennessee medical malpractice laws usually have three questions. They want to know how long they have, what must happen before a lawsuit, and whether the state limits compensation. Briggs Bedigian is a founding partner at Gilman & Bedigian who represents families harmed by medical negligence and birth injuries. His trial work includes the $182 million birth injury verdict against the University of Pennsylvania (Hagans v. Hospital of the University of Pennsylvania), the largest medical malpractice verdict in Pennsylvania history. That case was decided under Pennsylvania law. This guide covers Tennessee's own rules, which are different and in several places stricter.

If your baby was injured during labor or delivery in Tennessee, call us at (800) 529-6162. We handle birth injury cases nationwide and work with local counsel when required by the rules of a particular jurisdiction. We take all personal injury cases on a contingency fee basis, so you pay no fee unless we win. For any other kind of medical error in Tennessee, consult a medical malpractice attorney licensed in Tennessee about your specific case.

Key Takeaways

  • Tennessee's three-year statute of repose under Tenn. Code § 29-26-116(a)(3) generally bars a claim filed more than three years after the negligent act, even if the injury was discovered later. The exceptions are fraudulent concealment and a foreign object left in the body.
  • Under Tenn. Code § 29-26-121, written notice must go to each potential defendant at least 60 days before filing. Proper notice extends the limitation and repose periods by 120 days.
  • A complaint that needs expert proof must include a certificate of good faith under Tenn. Code § 29-26-122. Leaving it out can lead to dismissal with prejudice.
  • Tenn. Code § 29-39-102 caps noneconomic damages at $750,000, or $1 million for specific "catastrophic" injuries. Economic damages such as lifetime medical care are not capped.
  • For a child, minority tolling does not extend the three-year repose period (Calaway v. Schucker, Tenn. 2005). Many birth injury claims therefore face a deadline around the child's third birthday.

What Laws Govern a Medical Malpractice Claim in Tennessee?

Tennessee calls these cases "health care liability actions." They are governed by the Tennessee Health Care Liability Act, Tenn. Code § 29-26-101 et seq. Any claim that a health care provider caused injury while providing or failing to provide care falls under this Act, whatever label the complaint uses. That reaches physicians, nurses, hospitals, nursing homes, and other licensed providers.

The four things a patient must prove

Under Tenn. Code § 29-26-115(a), the injured patient carries the burden of proving each of the following:

  1. The standard of care. This is the recognized standard of acceptable professional practice in the defendant's profession and specialty, in the community where the defendant practices or a similar community.
  2. A breach. The provider failed to act in line with that standard.
  3. Causation. The breach caused an injury that would not otherwise have happened.
  4. Damages. The patient suffered real losses.

The standard of care is the level of skill and caution a reasonably careful provider in the same field would use in similar circumstances. Tennessee ties it to the provider's community or a similar one, which is often called the locality rule. The locality rule means an expert must show familiarity with how care is practiced in the defendant's community or a comparable one, not just nationally.

A bad outcome is not, by itself, malpractice

Medicine carries real risk. A complication or a poor result does not prove negligence. The question is whether the care fell below the standard and whether that failure caused the harm. Cases often turn on the second point. A hospital may admit that a delay happened and still argue that the patient's underlying illness, not the delay, caused the injury. Our page on failure to diagnose claims explains how causation is argued when the error was a missed diagnosis.

Informed consent claims

Tennessee also allows claims for failure to obtain informed consent. Informed consent means the patient received enough information about the risks and alternatives to make a real choice. Under Tenn. Code § 29-26-118, the patient must prove that the provider did not share the information in the way other reasonable practitioners in that specialty and community would have.

How Long Do You Have to File a Medical Malpractice Claim in Tennessee?

Tennessee's medical malpractice statute of limitations is short. Under Tenn. Code § 29-26-116 and § 28-3-104, a claim generally must be filed within one year after the injury is discovered or reasonably should have been discovered, and no later than three years after the negligent act or omission. Those two clocks run at the same time. Whichever expires first generally controls.

The one-year discovery rule

The one-year limitations period starts when the patient knows, or reasonably should know, that an injury occurred and that a provider's conduct may have caused it. It does not wait for a formal diagnosis of malpractice. Many families lose time because they assume the clock waits until they are sure.

The three-year statute of repose

A statute of repose is an absolute outer deadline measured from the provider's act, not from when anyone discovered the harm. Tenn. Code § 29-26-116(a)(3) sets that outer limit at three years from the date of the negligent act or omission. A claim filed after the repose period generally fails even if the patient had no way of knowing about the injury earlier.

The exceptions

Tennessee recognizes two main exceptions to the three-year repose period:

  • Fraudulent concealment. If the provider hid the wrongdoing, the claim generally must be filed within one year of discovering it (§ 29-26-116(a)(3)).
  • Foreign objects. If a sponge, instrument, or other object was negligently left in the body, the claim must be filed within one year after it was or should have been discovered, without the three-year cap (§ 29-26-116(a)(4)).

The pre-suit notice process can also add time. When notice is given properly, Tenn. Code § 29-26-121(c) extends both the limitations period and the repose period by 120 days. That extension depends on compliance with the notice rules, so it is not a cushion to plan around.

How Long Do You Have to File a Medical Malpractice Claim in Tennessee?
RuleTime LimitSourceKey Exception or Condition
Standard limitations period1 year from discovery of the injuryTenn. Code § 29-26-116(a)(1)–(2); § 28-3-104Extended 120 days by proper pre-suit notice
Statute of repose3 years from the negligent actTenn. Code § 29-26-116(a)(3)Fraudulent concealment: 1 year from discovery
Foreign object left in body1 year from discoveryTenn. Code § 29-26-116(a)(4)Three-year repose does not apply
Pre-suit noticeAt least 60 days before filingTenn. Code § 29-26-121(a)Proper notice adds 120 days to both deadlines
Local government provider12 months after the claim arisesTenn. Code § 29-20-305(b)Confirm with an attorney whether any extension applies
Federal facility or deemed health centerWritten agency claim within 2 years28 U.S.C. § 2401(b)Agency denial or 6 months must pass before suit (§ 2675(a))

Deadline disputes are one of the most common ways malpractice claims end before anyone looks at the medicine. Our article on statute of limitations complications explains how these disputes arise.

What Must Happen Before a Tennessee Malpractice Lawsuit Is Filed?

Tennessee requires two pre-suit steps that many other states don't. Under Tenn. Code § 29-26-121, the claimant must send written notice to every potential defendant at least 60 days before filing. Under Tenn. Code § 29-26-122, the complaint must include a certificate of good faith based on an expert's review. Skipping or botching either step can end the case.

Step-by-step: the pre-suit process

  1. Gather the complete medical records. Federal law gives patients the right to copies of their records (45 C.F.R. § 164.524). Request the full chart, including nursing notes, monitoring strips, and orders, not just a discharge summary.
  2. Identify every potential defendant. Notice must go to each provider who may be sued. A provider left off the notice list may raise that omission later.
  3. Prepare the written notice. It must include the patient's full name and date of birth, the claimant's name, address, and relationship to the patient (if the patient is not the sender), the name and address of any attorney sending it, the names and addresses of all providers receiving notice, and a HIPAA-compliant medical authorization. The authorization lets each provider get the records held by the others.
  4. Serve the notice. It must be delivered personally or by certified mail as the statute directs, and proof of service must later be attached to the complaint.
  5. Wait at least 60 days. This window lets providers review the claim before suit is filed.
  6. Obtain expert support. Before filing, the claimant or the attorney must consult one or more qualified experts. Each expert must provide a signed written statement that they are competent to testify and believe there is a good faith basis for the claim.
  7. File the complaint with the certificate of good faith. The certificate goes in with the complaint.

Why compliance matters

The Tennessee Supreme Court has held that the notice requirements are mandatory (Myers v. AMISUB (SFH), Inc., Tenn. 2012). Under § 29-26-122(c), failing to file a required certificate of good faith can lead to dismissal with prejudice. The court may excuse the failure if the provider did not timely produce records or if another extraordinary cause exists.

Here's what that means for you. These are not paperwork formalities. A missed name on a notice list or a defective authorization can cost the 120-day extension, and that can push a claim past the deadline.

Who Can Serve as an Expert Witness in a Tennessee Malpractice Case?

Expert testimony is almost always needed to prove the standard of care, the breach, and causation. Under Tenn. Code § 29-26-115(b), an expert must be licensed in Tennessee or a contiguous bordering state, in a profession or specialty that makes the testimony relevant, and must have practiced in that field during the year before the alleged injury. A trial court may waive this requirement when appropriate witnesses would otherwise not be available.

What this means in practice

  • Specialty match. A family physician generally cannot criticize a neurosurgeon's technique. The expert's field must make the opinion relevant.
  • Recent practice. The expert must have been practicing in the year before the injury, not retired for a decade.
  • Community familiarity. Under the locality rule, the expert must show familiarity with the standard of care in the defendant's community or a similar one.

Defense lawyers often challenge expert qualifications before trial. Some of our attorneys previously defended hospitals and physicians, and that experience shows how closely the defense examines an expert's background. A strong expert who fails a Tennessee qualification rule can leave a meritorious claim without the proof it needs.

Does Tennessee Cap Medical Malpractice Damages?

Yes, for some categories. Tenn. Code § 29-39-102 limits noneconomic damages to $750,000 per injured plaintiff, or $1 million when the injury qualifies as "catastrophic." The law does not cap economic damages. In McClay v. Airport Management Services, LLC (Tenn. 2020), the Tennessee Supreme Court upheld the noneconomic damages cap against a state constitutional challenge.

Economic vs. noneconomic damages

Economic damages are measurable financial losses, such as past and future medical bills, lost wages, and lost earning capacity. Noneconomic damages cover losses without a price tag, such as pain, suffering, emotional distress, and loss of enjoyment of life. Our guide to the types of damages in a medical malpractice lawsuit explains each category in more detail.

What counts as a "catastrophic" injury?

The $1 million cap applies only to injuries on a specific statutory list:

  • A spinal cord injury causing paraplegia or quadriplegia
  • Amputation of both hands, both feet, or one of each
  • Third-degree burns over 40% or more of the body or 40% or more of the face
  • The wrongful death of a parent who leaves a surviving minor child for whom the parent had lawful rights of custody or visitation

Most people miss this part. Brain injuries, including cerebral palsy and hypoxic-ischemic encephalopathy, are not on the catastrophic list, so they generally fall under the $750,000 noneconomic cap.

Does Tennessee Cap Medical Malpractice Damages?
Damages CategoryExamplesTennessee LimitSource
Economic damagesMedical bills, future care, lost earnings, lost earning capacityNo statutory capTenn. Code § 29-39-102
Noneconomic (standard)Pain, suffering, emotional distress, loss of enjoyment of life$750,000 per injured plaintiffTenn. Code § 29-39-102
Noneconomic (catastrophic)Same losses, for injuries on the statutory list$1,000,000 per injured plaintiffTenn. Code § 29-39-102(c)
Punitive damagesPunishment for egregious conduct, proven by clear and convincing evidenceGreater of 2 times compensatory damages or $500,000, with exceptions; in 2018 a federal appeals court held this cap unconstitutional (Lindenberg v. Jackson National, 6th Cir.), a ruling not binding on Tennessee state courtsTenn. Code § 29-39-104

When the caps do not apply

The statute lifts the noneconomic cap in narrow situations. These include a defendant who intended to cause serious harm, a defendant who intentionally falsified, destroyed, or concealed records to avoid liability, a defendant impaired by alcohol or drugs, and harm caused by conduct for which a defendant was convicted of a felony. The cap is also a single limit for one injured person's harm. Family members' related claims fall within it, no matter how many defendants are involved.

For context on how Tennessee compares, see our overview of caps on medical malpractice damages by state. Punitive damages are rare in malpractice cases. Our article on suing for punitive damages explains when they come into play.

How Does Comparative Fault Work in Tennessee Malpractice Cases?

Tennessee uses modified comparative fault, which means a patient's own share of blame can reduce or eliminate recovery. Under Tenn. Code § 29-39-102(b) and the Tennessee Supreme Court's decision in McIntyre v. Balentine (1992), a patient who is 50% or more at fault recovers nothing; a patient who is less than 50% at fault has damages reduced by their percentage of fault.

In malpractice cases, defendants sometimes argue that the patient ignored discharge instructions, skipped follow-up visits, or left out part of their history. A jury that assigns a patient 20% of the fault would reduce an award by 20%. At 50%, the claim is barred.

Tennessee has also largely abolished joint and several liability (Tenn. Code § 29-11-107). Each defendant is generally responsible only for its own share of fault. That makes it important to identify every provider whose care contributed to the injury, since fault can also be assigned to someone the patient never sued.

What Changes When a Government Hospital or Federal Provider Is Involved?

Whether the provider is public or private changes the rules. Claims against Tennessee counties, cities, and governmental hospital authorities fall under the Governmental Tort Liability Act (Tenn. Code § 29-20-101 et seq.), which requires suit within 12 months under § 29-20-305(b) and limits recoverable damages under § 29-20-403. Federal providers fall under a separate federal process.

What Changes When a Government Hospital or Federal Provider Is Involved?
Provider TypeGoverning LawWho Decides the CaseKey Feature
Private hospital or physicianHealth Care Liability Act, Tenn. Code § 29-26-101 et seq.Jury availableNotice, certificate, and damages caps apply
County, city, or hospital authorityGovernmental Tort Liability Act, Tenn. Code § 29-20-101 et seq.Generally a judge without a jury (§ 29-20-307)12-month deadline; statutory damages limits
State employeeTenn. Code § 9-8-307 (Tennessee Claims Commission)Tennessee Claims CommissionClaim begins with notice to the Division of Claims and Risk Management
Federal facility or federally deemed health centerFederal Tort Claims ActFederal judge without a jury (28 U.S.C. § 2402)Written agency claim within 2 years

Local government providers

Some Tennessee hospitals are operated by counties or hospital authorities, and patients often can't tell from the building. The Health Care Liability Act's pre-suit steps generally still apply, but the governmental deadline, the bench trial, and the damages limits change the claim's value and timing. Check who owns and operates the facility early.

State and federal providers

Claims against state employees for medical malpractice go to the Tennessee Claims Commission under Tenn. Code § 9-8-307(a)(1)(D). Claims against VA medical centers, and against community health centers whose staff are deemed federal employees under 42 U.S.C. § 233, go through the Federal Tort Claims Act. That law requires a written administrative claim to the agency within two years (28 U.S.C. § 2401(b)) before any lawsuit (28 U.S.C. § 2675(a)). Whether a clinic is federally deemed is a factual question an attorney should confirm.

How Do Tennessee Wrongful Death Rules Apply After a Fatal Medical Error?

Losing a family member to a medical error raises questions no one is ready for. Tennessee treats a malpractice death claim as a continuation of the claim the patient would have had. Under Tenn. Code § 20-5-106 and § 20-5-107, the claim passes to the surviving spouse first, then to the children or next of kin, and may also be brought by the personal representative; it is subject to the same one-year limitations period (Tenn. Code § 28-3-104) and three-year repose period that govern injury claims.

What a wrongful death claim can recover

Under Tenn. Code § 20-5-113, recoverable damages can include the deceased person's pain and suffering before death, medical and funeral expenses, and lost earnings. They can also include the pecuniary value of the life, meaning the economic value of the person's life to the family. In Jordan v. Baptist Three Rivers Hospital (Tenn. 1999), the Tennessee Supreme Court held that this value can include the loss of the deceased person's companionship and relationship.

The noneconomic damages cap in § 29-39-102 applies to death claims too. The $1 million catastrophic cap applies when a parent dies leaving a minor child for whom the parent had lawful rights of custody or visitation. The pre-suit notice and certificate of good faith requirements also apply. A grieving family must still meet every procedural step on time.

How Do Tennessee's Rules Apply to Birth Injury Claims?

Many readers here are parents of a baby hurt during labor or delivery. Tennessee's rules hit these families especially hard. Tennessee's minority tolling statute, Tenn. Code § 28-1-106, may pause the one-year limitations period for a child, but the Tennessee Supreme Court held in Calaway v. Schucker (2005) that minority does not extend the three-year statute of repose.

The deadline that usually controls

Birth injuries such as hypoxic-ischemic encephalopathy, cerebral palsy, and brachial plexus injuries are often diagnosed months after delivery. Even so, the three-year repose period runs from the negligent act during labor or delivery. Unless an exception such as fraudulent concealment applies, a child's claim generally must be filed within three years of birth, plus 120 days if proper notice was given. Because pre-suit notice and expert review take time, the practical deadline arrives earlier still.

Parents' own claims, such as for the child's medical expenses while the child is a minor, belong to the parents rather than to the child. They may face a different timeline and should be evaluated separately.

How the damages cap affects a birth injury case

Because brain injuries are not on Tennessee's catastrophic list, a child with cerebral palsy generally faces the $750,000 noneconomic cap, but the cost of lifetime medical care, therapy, equipment, and lost earning capacity is not capped. That shifts the focus of these cases toward careful proof of future needs. In serious cases, a life care plan often becomes central evidence. A life care plan is a detailed projection, usually prepared by medical and rehabilitation professionals, of the care and costs a child will need over a lifetime.

The real question isn't only whether a mistake happened in the delivery room. It's whether the family can prove every future cost the child will face. Briggs Bedigian prepares every case for trial, and in birth injury litigation that preparation centers on detailed proof of a child's lifetime needs. If you are weighing a Tennessee birth injury claim, the closing section of this guide explains how to reach us.

What Key Decisions and Common Mistakes Should You Watch For?

Most problems in Tennessee malpractice claims come from timing and procedure, not from the medicine. The most damaging mistake is treating the one-year discovery rule as the only deadline while the three-year repose period quietly runs out.

Decisions you will face

  • When to request records. Earlier is better. Gaps in the chart take time to identify and follow up.
  • Whether to keep treating with the same provider. Your health comes first. Changing providers is a medical decision, but a second opinion can also clarify what went wrong.
  • Whether to speak with the hospital's risk management office. You can listen, but be careful about signing anything or giving recorded statements before you understand your rights.
  • Whether the provider is public or private. This determines which deadlines and procedures apply.

Common mistakes

  1. Waiting for certainty. The clock usually starts when you reasonably should suspect a problem, not when an expert confirms it.
  2. Assuming the 120-day extension applies. It applies only when notice complies with § 29-26-121.
  3. Naming too few providers. Each potential defendant needs notice, and fault can be shifted to anyone left out.
  4. Overlooking a government connection. A county-run hospital or a federally deemed clinic changes the deadline and the forum.
  5. Assuming the cap limits the whole case. Economic losses remain uncapped and may be the largest part of a serious claim.

Patient safety research also shows how serious these errors can be. A widely cited Johns Hopkins University study (2016) estimated that medical errors are the third leading cause of death in the United States, responsible for an estimated 250,000 deaths annually. The AHRQ publishes patient safety resources for families who want to understand how errors happen.

How Much Does a Tennessee Malpractice Case Cost, and How Long Does It Take?

Most malpractice attorneys work on a contingency fee, meaning the fee comes out of any recovery. In Tennessee, Tenn. Code § 29-26-120 limits a contingent attorney's fee in a health care liability case to no more than one-third of the damages awarded, with the amount set by the court. Case expenses, such as expert fees, record costs, and depositions, are separate from the attorney's fee. Ask any lawyer how expenses are handled before you sign.

Why these cases are expensive to bring

Tennessee requires expert support before filing and expert testimony at trial. Experts in obstetrics, neonatology, neurology, and life care planning charge for their time. A serious birth injury case may need several of them.

What affects timing

No reliable average timeline exists, and every case moves differently. These factors usually matter most:

  • The 60-day pre-suit notice period
  • How quickly providers produce complete records
  • The number of defendants and experts
  • Pretrial challenges to notice, certificates, or expert qualifications
  • Whether the case resolves by settlement or goes to trial
  • Whether a government entity is involved, since that changes the forum

How quickly a case moves also affects when a family receives compensation, so plan for the long term. Most claims resolve by settlement, but readiness to go to trial is often what moves the other side.

When Should You Talk to an Attorney About a Tennessee Medical Error?

Because Tennessee's repose period generally ends three years after the negligent act, and pre-suit notice must go out at least 60 days before filing, an attorney should review the records well before the deadline approaches. An attorney adds the most value when the injury is serious, the cause is disputed, or more than one provider was involved. That describes most malpractice cases.

For birth injuries in Tennessee

If your child suffered a brain injury, oxygen deprivation, a nerve injury, or another serious harm at birth, call Gilman & Bedigian at (800) 529-6162. We handle birth injury cases nationwide and work with local counsel when required by the rules of a particular jurisdiction. No fee unless we win. Gilman & Bedigian was co-founded by Charles Gilman and H. Briggs Bedigian in October of 2012, and the firm has recovered over $800 million for clients. You can read more about Briggs Bedigian's background.

For other medical errors in Tennessee

For a misdiagnosis, surgical error, medication error, or other non-birth injury in Tennessee, consult a medical malpractice attorney licensed in Tennessee about your specific case. Bring your records, a timeline of your care, and the names of every provider involved. To compare Tennessee with other states, visit our guide to medical malpractice and birth injury laws by state.

This guide explains general Tennessee law and does not constitute legal advice. Every case is unique, and past results do not guarantee future outcomes. Consult a qualified attorney about your specific situation.

Frequently Asked Questions

How much does a medical malpractice attorney cost in Tennessee?

Most Tennessee malpractice attorneys work on a contingency fee, so you pay no attorney's fee unless there is a recovery. Tenn. Code § 29-26-120 caps a contingent fee in a health care liability case at one-third of the damages awarded, and the court sets the fee within that limit. Case expenses, such as expert witness fees and record costs, are separate. Ask how expenses are paid and when they are repaid before signing an agreement.

How long do I have to file a medical malpractice lawsuit in Tennessee?

Under Tenn. Code § 29-26-116, you generally have one year from when you discovered, or reasonably should have discovered, the injury. A three-year statute of repose, measured from the negligent act, sets an outer limit. Exceptions apply when a foreign object was left in the body or when the provider fraudulently concealed the wrongdoing. Proper pre-suit notice under § 29-26-121 extends both deadlines by 120 days.

What is my Tennessee medical malpractice case worth?

No one can value a case before the records and experts have been reviewed. Value depends on the severity of the injury, future care needs, lost earning capacity, and how clearly the care fell below the standard. Tennessee caps noneconomic damages at $750,000, or $1 million for catastrophic injuries, under Tenn. Code § 29-39-102. Economic damages such as lifetime medical care are not capped.

Should I accept the first settlement offer from a hospital or its insurer?

Not before you understand the full scope of your losses. In malpractice cases, future medical needs, especially for a child, may not be clear for months or years. A settlement usually ends the claim permanently. Have an attorney review the offer against documented current and future costs before you sign anything.

What if I was partially at fault for my injury?

Tennessee follows modified comparative fault under Tenn. Code § 29-39-102(b) and McIntyre v. Balentine (1992). If you are less than 50% at fault, your recovery is reduced by your share. At 50% or more, you recover nothing. Providers sometimes argue that a patient missed follow-ups or ignored instructions, so documentation of your own actions matters.

How long does a Tennessee medical malpractice case take to resolve?

There is no reliable average. The 60-day notice period, records collection, expert review, the number of defendants, and pretrial disputes all affect timing. Cases against government entities follow different procedures. Settlement can come at many stages, while a case that goes to trial generally takes longer.

Do I need a lawyer for a medical malpractice claim in Tennessee?

Tennessee's pre-suit notice rules, certificate of good faith requirement, and expert qualification rules are technical, and mistakes can lead to dismissal. Under Tenn. Code § 29-26-122, a missing certificate can result in dismissal with prejudice. For these reasons, few people pursue malpractice claims successfully without counsel.

What if the doctor or hospital doesn't have insurance?

Many hospitals and physicians carry professional liability coverage or are self-insured, but don't assume coverage exists. Your attorney can investigate which entities employed or credentialed the provider. If the provider is a government entity or a federally deemed health center, different rules apply, including the Governmental Tort Liability Act or the Federal Tort Claims Act.

Will my Tennessee malpractice case go to trial?

Most claims resolve by settlement, but some go to trial when the parties disagree about liability or value. Claims against private providers can be tried to a jury. Claims under the Governmental Tort Liability Act are generally decided by a judge without a jury (Tenn. Code § 29-20-307), and Federal Tort Claims Act cases are tried before a federal judge.

How do I pay for medical treatment while my case is pending?

Health insurance, Medicare, or TennCare typically continues to cover treatment while a claim is pending. Those payers may have reimbursement rights out of any recovery, and those liens must be resolved before settlement funds are distributed. Keep every bill and explanation of benefits, since they document your economic damages.

Does the three-year deadline apply to a baby injured at birth?

Generally, yes. Tennessee's minority tolling statute, Tenn. Code § 28-1-106, may pause the one-year limitations period, but in Calaway v. Schucker (2005) the Tennessee Supreme Court held that minority does not extend the three-year statute of repose. Unless an exception such as fraudulent concealment applies, many birth injury claims must be filed within about three years of the delivery, plus any 120-day notice extension.