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CHATTANOOGA

Transit Accident Lawyers in Chattanooga

Aggressive legal representation for carta accident victims in Chattanooga and surrounding areas. We fight for the maximum compensation you deserve.

Richard Howe, attorney at law, explaining why you should not talk to insurance companies after a car accident

Why Hire Our Chattanooga Personal Injury Lawyers?

After a serious injury, you deserve more than a quick settlement. You need trial lawyers who fight for everything you are owed.

Real Trial Lawyers

Most personal injury firms never see the inside of a courtroom. Our trial lawyers go to court and win. Insurance companies know we fight and they pay maximum compensation because of it.

Hundreds of Millions Won

Over 40 years and hundreds of millions of dollars recovered for injury victims in Chattanooga and across the Southeast. Our track record speaks for itself. We get results that matter.

Available 24/7

Accidents do not happen on a schedule. Our team answers calls around the clock, starts your case immediately, and keeps you informed every step of the way. You are never alone in this process.

No Fee Unless We Win

You pay absolutely nothing unless we recover compensation for you. No upfront costs. No hidden fees. No financial risk. We only get paid when you get paid. That is our promise.

Hundreds of Millions

Recovered For Our Clients

$1.75MCommercial Vehicle Accident
$1.6MDrunk Driver Accident
$1.2MSpeeding Accident
$1.18MLawsuit
$1.1MCar Accident
$1MMotorcycle Accident
$1MDrunk Driver Accident
$1MCommercial Vehicle Accident
$935K18-Wheeler Accident
$765KCommercial Lawsuit
$700KTruck Accident
$600KPremises Liability
$575KCar Accident
Howe Law $425,000 settlement check #HoweWeWin

CARTA, the Chattanooga Area Regional Transportation Authority, moves riders across Hamilton County every day. It runs the fixed-route bus system, the free downtown electric shuttle, Care-A-Van paratransit service, and the Lookout Mountain Incline Railway. When one of those vehicles is involved in a crash, an injured passenger, pedestrian, or motorist faces a claim that is very different from an ordinary car accident, because CARTA is a public entity. At Howe.Law Injury & Accident Lawyers, we handle these claims.

Claims against CARTA fall under the Governmental Tort Liability Act

Because CARTA is a governmental transit authority, a claim against it is governed by the Tennessee Governmental Tort Liability Act, Tenn. Code Ann. § 29-20-101 and following. That law lets you sue a public entity for injuries caused by the negligent operation of its vehicles, but it sets special rules. The deadline is one year from the date of the crash, the damages recoverable are capped by statute, and the procedure is stricter than an ordinary claim. Missing a step can end an otherwise strong case, which is why experienced counsel matters early.

The one-year deadline and why it is strict

Like most Tennessee injury claims, a case against CARTA must be filed within one year under the Governmental Tort Liability Act. That clock runs while you are still recovering, and while you may not even realize a public entity is involved. We identify quickly whether a governmental defendant is in the case and calendar the deadline so it is never at risk.

Statutory caps on damages

The Governmental Tort Liability Act limits what you can recover from a public entity, currently $300,000 for injuries to one person and $700,000 for a single occurrence involving multiple victims. Those caps make it essential to identify every other responsible party, such as another driver whose negligence contributed to the crash and whose insurance is not subject to the same limits. We pursue every available source of recovery.

A transit operator's high duty of care

A public transit operator owes its passengers a high degree of care for their safety. Injuries happen when a bus stops or accelerates suddenly, when a driver collides with another vehicle, when a passenger falls boarding or exiting, or when a pedestrian is struck. We investigate the operator's conduct, pull the vehicle's onboard camera footage before it is overwritten, and obtain the incident report to establish exactly what happened.

Serving injured riders and pedestrians across Hamilton County

Our team handles CARTA and transit injury claims throughout the Chattanooga area, across Hamilton, Bradley, Marion, Sequatchie, Rhea, and Bledsoe counties. We serve people hurt in Chattanooga, Cleveland, East Ridge, Red Bank, Soddy-Daisy, Signal Mountain, Collegedale, Ooltewah, and Hixson. The most seriously injured are treated at Erlanger Baroness Hospital, the region's only Level I trauma center.

Reports, evidence, and filing your case

A transit crash is documented by CARTA and, depending on where it happened, investigated by the Chattanooga Police Department or the Tennessee Highway Patrol. We move fast to preserve the onboard video and the incident report, obtain your records from Erlanger, and when a fair settlement cannot be reached, we file your lawsuit in Hamilton County Circuit Court.

Speak with a Chattanooga transit accident attorney

A claim against a public transit authority has traps an ordinary car crash does not, and the one-year deadline is unforgiving. Call (844) 876-4357 for a free consultation. We work on a contingency fee basis, so you owe no attorney fee unless we recover compensation for you.

Common questions

Does it cost more or take longer to sue a public agency like CARTA?

A claim against a governmental entity follows stricter procedures and a firm one-year deadline, and the recoverable damages are capped by statute. It does not cost you more to hire us, because we work on contingency, but it does make experienced handling important so no procedural step is missed.

I was in my own car when a CARTA bus hit me. Is that also a Governmental Tort Liability Act claim?

Yes. Because CARTA is a public entity, a claim against it for the negligent operation of its bus is governed by that Act whether you were a passenger, a pedestrian, or in another vehicle. We handle it under those rules and pursue any other at-fault parties separately.

How do I know if the vehicle that hit me was operated by CARTA?

We determine that quickly. CARTA operates the fixed-route buses, the downtown electric shuttle, Care-A-Van paratransit, and the Incline Railway, and identifying the operator decides which rules and which deadline apply. We confirm it early so your claim is handled correctly from the start.

Need a Transit Accident Lawyer in Chattanooga?

Do not face the insurance companies alone. Contact our Chattanooga office today for a free consultation with a personal injury attorney.

Reviews from our Accident and Injury Clients

Kareem IshGoogle review · September 11, 2026★★★★★
I really just appreciate the professionalism and knowledge given from speaking with your firm during consultation. It definitely makes it feel comfortable if the need to move forward with the service of your firm
Jared ErniGoogle review · September 3, 2026★★★★★
Richard was extremely helpful, and even though my case wasn't the best fit for his firm, he took extra time to give me direction and clarity to help me with the next steps... Far beyond what he needed to. I'm extremely grateful I contacted his firm.
Danny KGoogle review · September 1, 2026★★★★★
I had a question about a collection we are going through and Richard himself answered the call and provided a lot of insight to what our next steps would be at no charge. I highly recommend this firm. They are here to help.
Racquel PGoogle review · July 24, 2026★★★★★
I was in a vulnerable state after my accident and appreciated Nathalie for listening, being compassionate and offering guidance. I am truly grateful I called. Thank you so much!
Ethan CaldwellGoogle review · July 1, 2026★★★★★
I was really stressed about everything and didn't know where to start but the team took the time to walk me through each step and made sure I understood what was happening. They explained the whole process in a way that actually made sense and I never felt confused or left in the dark, they were super helpful and responsive whenever I had questions. I'm so grateful for how well they treated me and how easy they made everything feel
Othman FawwazGoogle review · June 25, 2026★★★★★
The bilingual support here was super helpful for my family. Everyone was professional and made sure we understood each step clearly. Very grateful for their assistance.
Posted on Google Google
Kareem Ish profile picture
Kareem Ish
September 11, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I really just appreciate the professionalism and knowledge given from speaking with your firm during consultation. It definitely makes it feel comfortable if the need to move forward with the service of your firm
Posted on Google Google
Tyra S. profile picture
Tyra S.
September 9, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Posted on Google Google
Jared Erni profile picture
Jared Erni
September 3, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Richard was extremely helpful, and even though my case wasn't the best fit for his firm, he took extra time to give me direction and clarity to help me with the next steps... Far beyond what he needed to. I'm extremely grateful I contacted his firm.
Posted on Google Google
Rc’s Gone Wild profile picture
Rc’s Gone Wild
September 3, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Help me out tremendously with my case definitely would recommend them
Posted on Google Google
Danny K profile picture
Danny K
September 1, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a question about a collection we are going through and Richard himself answered the call and provided a lot of insight to what our next steps would be at no charge. I highly recommend this firm. They are here to help.
Posted on Google Google
Dasia Martinez profile picture
Dasia Martinez
August 22, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Posted on Google Google
Racquel P profile picture
Racquel P
July 25, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I was in a vulnerable state after my accident and appreciated Nathalie for listening, being compassionate and offering guidance. I am truly grateful I called. Thank you so much!
Posted on Google Google
Jenna Reed profile picture
Jenna Reed
July 1, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Gracias a todo el equipo por su paciencia y ayuda. Me explicaron todo claramente y siempre respondieron mis preguntas. Me sentí muy bien atendido durante todo el proceso.
Posted on Google Google
Ethan Caldwell profile picture
Ethan Caldwell
July 1, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I was really stressed about everything and didn't know where to start but the team took the time to walk me through each step and made sure I understood what was happening. They explained the whole process in a way that actually made sense and I never felt confused or left in the dark, they were super helpful and responsive whenever I had questions. I'm so grateful for how well they treated me and how easy they made everything feel
Posted on Google Google
Othman Fawwaz profile picture
Othman Fawwaz
June 25, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The bilingual support here was super helpful for my family. Everyone was professional and made sure we understood each step clearly. Very grateful for their assistance.
Posted on Google Google
ann peardon profile picture
ann peardon
May 22, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This firm couldn’t personally help me but they directed me to who can. They were extremely supportive and helpful. I would highly recommend them to anyone.
Posted on Google Google
Lanarion Norwood, Jr profile picture
Lanarion Norwood, Jr
April 21, 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very infovetiv

Top-Rated Personal Injury Lawyers Recognized Nationwide

Howe.Law Injury & Accident Lawyers is proud to be recognized by multiple nationally respected legal rating organizations. These distinctions reflect our dedication to delivering exceptional personal injury representation and achieving strong results for our clients. Our firm has earned top honors including AV Preeminent ratings, 10.0 Superb ratings, and membership in exclusive legal organizations such as the Million Dollar Advocates Forum. These recognitions are awarded based on peer reviews, client satisfaction, and proven case results.

Avvo Rating 10.0 SuperbBBB A+ AccreditedNAPIL Top Ten AttorneyAV Preeminent - Martindale-Hubbell Lawyer RatingsBest LawyersGeorgia Trend Legal EliteMillion Dollar Advocates ForumCommercial Law League of America
American Association for JusticeLead Counsel VerifiedMotor Vehicle Trial Lawyers Top 25NAOPIA Top Ten AttorneyAmerican Institute of Legal ProfessionalsMilitary Trusted BusinessBest of Coastal Mississippi

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The Howe Law Story

Attorney Richard Howe continues a family legacy of fighting for the injured

Howe.Law Injury & Accident Lawyers team 2:13
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