Tennessee does not require drivers to carry liability insurance, only that they show financial responsibility. That accident reports are NOT admissible in court. It is also not admissible in court if you pay your ticket by mail without appearing at court. That even though another driver may be at fault, street and weather conditions, as well as your own conduct before the accident can reduce the amount you may collect from the driver at fault.
Statements admitting fault or guilt ARE admissible in court.
Always drive defensively. Be extra careful during foul weather and make sure all your lights and wipers are in good working order. Always wear seat belts, be sure your passengers are wearing seat belts and make sure that all children are in the proper child restraints. No matter how careful you are, you may be involved in an accident. Stop Tennessee law requires that the driver of a vehicle involved in an accident stop.