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What to do after a motorcycle accident

Call 911 and get checked, then record the scene. Helmet rules differ by state: Tennessee covers every rider, Alabama every rider, Oklahoma riders under 18 and South Carolina riders under 21. Here are the rules as written, federal death counts by state, the Memphis numbers and a checklist. Federal figures run through 2024, the latest year available, and are subject to revision.

The short answer

After a motorcycle crash

Call 911 and get checked, even if you walked away. Then record the scene, the vehicles and plates, your gear including the helmet, the officer and report number, and witnesses. Helmet laws differ: Tennessee and Alabama cover every rider, [1] [4] Oklahoma covers riders under 18, [6] and South Carolina riders under 21 [7].

Motorcycle helmet laws in Tennessee, Alabama, Oklahoma and South CarolinaFour tiles. Tennessee: every rider, driver and passenger, section 55-9-302. Alabama: every rider, section 32-5A-245. Oklahoma: riders under 18, 47 O.S. section 12-609, no adult rule in the statute read. South Carolina: riders under 21, section 56-5-3660, no rule for riders 21 and older in the section read.TNTennesseeEvery rider: driver and passenger§ 55-9-302ALAlabamaEvery rider: no one may ride withoutprotective headgear§ 32-5A-245OKOklahomaRiders under 18; no adult rule in thestatute we read47 O.S. § 12-609SCSouth CarolinaRiders under 21; no rule for 21 andolder in the section we read§ 56-5-3660
Helmet rules as this guide quotes them. Amber tiles cover every rider. The Oklahoma and South Carolina tiles show the age limit the statute we read sets; we found no adult rule in those sections.

Deaths by state

Motorcyclist deaths in the four states

These count riders and passengers who died in fatal crashes in the federal file, not everyone hurt [3].

Area20152019202220242015-2024Share of all traffic deaths
United States5,0265,0446,2516,22556,26214%
Tennessee1231551531881,59214%
Alabama6793971279089%
Oklahoma89689310687313%
South Carolina1851541701541,60815%

Source: NHTSA FARS person files (motorcycle body types, fatal injury), analysed by CrashFirst; download the yearly CSV. Counts say nothing about fault in any crash.

Tennessee and Memphis

Tennessee: the helmet law, as written

A purple cruiser motorcycle with a helmet on the seat and a small American flag, parked in a lot in Memphis
A parked motorcycle in Memphis, helmet on the seat. License plate blurred. Photo: Thomas R Machnitzki, CC BY 3.0, plate blurred. Photo credits

Tenn. Code Ann. § 55-9-302 (as reproduced by FindLaw, current as of January 2, 2024; not yet re-read on the official code site):

What the section says
Who The driver and any passenger on a motorcycle, motorized bicycle or motorscooter [1].
What kind of helmet One meeting federal standard 49 CFR 571.218 [1]. For riders 21 or older, a helmet meeting the section's alternative requirements (ventilation openings no wider than 1 1/2 inches, and a label from one of four named standards bodies) [1]. The Highway Safety Office lists DOT (FMVSS 218), CSPM, Snell and SIRC as approved [2].
Exceptions Riders in an enclosed cab; fully enclosed autocycles ("side panels, a roll bar or roof, and a windshield"); golf carts; a parade at 30 mph or less for riders 18 or older; and certain funeral processions, memorial rides and body escort details (30 mph or less, riders 21 or older, no more than 50 miles) [1] [2].

The Highway Safety Office also says riders should hold a current motorcycle license (Class M) and notes a Class M license is not required to operate an autocycle (§ 55-50-301(c)) [2] [2].

The page we read does not state a penalty, and we have not researched how helmet use plays into an injury claim. That is a question for an attorney.

Memphis data

Motorcyclists in Shelby County fatal crashes

Measure (Shelby County, 2015-2024) Value
Motorcyclists killed (rider or passenger) 180 (9% of all deaths)
Per year 6 to 24; 14 in 2024
Fatal crashes involving a motorcycle 181
...in the dark 46% (83 of 181)
...on arterial streets 69% (125 of 181)
...where a driver was flagged as drinking 23% (42 of 181); the flag does not say which driver

Source: NHTSA FARS, analysed by CrashFirst. The Memphis Crash Report has the method and the full data as CSV. These count deaths only, not everyone hurt, and say nothing about fault in any crash.

Alabama

Alabama: Code of Alabama § 32-5A-242 and § 32-5A-245

  • Headgear (§ 32-5A-245). No person may operate or ride on a motorcycle or motor-driven cycle without protective headgear that complies with the standards in § 32-12-41, or without shoes [4]. Exceptions: riders in an enclosed cab and autocycle operators [4].
  • Lanes (§ 32-5A-242). Motorcycles are entitled to full use of a lane [5]. A motorcycle may not overtake and pass in the same lane, or operate between lanes or rows of vehicles, and no more than two may ride abreast [5].

Oklahoma

Oklahoma: 47 O.S. § 12-609 (formerly § 40-105)

  • Helmets. No person under 18 may operate or ride on a motorcycle unless properly wearing a crash helmet that complies with 49 C.F.R. § 571.218 [6]. The statute we read does not set a helmet rule for adults.
  • Equipment. Motorcycles need two rearview mirrors, a windshield or eye protection for the operator, a speedometer, fenders, a horn and a muffler [6].

South Carolina

South Carolina: Title 56, Chapter 5, Article 29

  • Helmets (§ 56-5-3660). Unlawful for anyone under 21 to operate or ride on a two-wheeled motorized vehicle without a protective helmet of a type approved by the Department of Public Safety, with a neck or chin strap and reflectorized on both sides [7]. The section we read sets no helmet rule for riders 21 and older.
  • Lanes (§ 56-5-3640). Motorcycles are entitled to full use of a lane, may not pass in the same lane or operate between lanes or rows of vehicles, and may not ride more than two abreast [7].

Motorcycle insurance: the state minimum limits are on Tennessee, Alabama, Oklahoma and South Carolina insurance minimums pages; ask an agent what a motorcycle policy covers. We have not sourced motorcycle-specific insurance rules.

Record checklist

After a motorcycle crash

Next

Deadlines and fault

Fault rules differ by state (Tennessee, Alabama, Oklahoma, South Carolina). Court deadlines are on the Tennessee, Alabama, Oklahoma and South Carolina pages. We cannot tell you how either applies to your crash. If the driver left or had no insurance, see hit and run and uninsured drivers.

Want to talk it through? A person usually calls you back in about 15 minutes (8am to 8pm Central). You never pay CrashFirst. CrashFirst is not a law firm, does not evaluate your crash and does not give legal advice. General information as of November 8, 2026.

Sources

Unofficial copies come from a legal publisher, not the state. They can lag the current code, so check the official code before relying on a date or amount.

Page last updated November 9, 2026. Attorney review pending. General information, not legal advice. Fees, hours and rules change; confirm on the official page. How we source.

Questions

What should you do after a motorcycle accident?

Call 911 and get checked even if you walked away, then record what you can: the officer and report number, photos of the scene, road, vehicles and plates, your bike and gear including the helmet, and witness names. The checklist below has the full list. See also what to do after a car accident.

Is a helmet required on a motorcycle?

It depends on the state. Tennessee requires one for every driver and passenger, [1] and Alabama says no person shall operate or ride on a motorcycle without protective headgear [4]. In Oklahoma the statute we read applies to riders under 18, [6] and in South Carolina to riders under 21 [7].

In what states can you ride a motorcycle with no helmet?

We cover four states. Of those, the helmet statutes we read apply to every rider in Tennessee and Alabama, only to riders under 18 in Oklahoma, and only to riders under 21 in South Carolina. For other states see that state's code. Exceptions exist, such as enclosed cabs and autocycles; read the sections above.

What is the Alabama motorcycle helmet law?

Alabama law bars operating or riding a motorcycle or motor-driven cycle without protective headgear that meets the standards under § 32-12-41, with exceptions for enclosed cabs and autocycle operators [4]. Parents and guardians may not knowingly allow a juvenile to ride without a helmet [4].

Is lane splitting legal?

Alabama and South Carolina both prohibit operating a motorcycle between lanes of traffic or between adjacent lines or rows of vehicles [5] [7]. Both also say motorcycles are entitled to full use of a lane. We did not read Tennessee's or Oklahoma's lane statutes.

Is it legal to have only one mirror on a motorcycle in Oklahoma?

Oklahoma's § 12-609 requires motorcycles to be equipped with two rearview mirrors, one on each side, with a reflection surface of at least three inches in diameter [6]. Other states have their own equipment rules that we did not read.

How many motorcycle deaths per year are there?

NHTSA's FARS counts 56,262 motorcyclist deaths (riders and passengers) in the US from 2015 to 2024, between 5,026 (2015) and 6,251 (2022) a year, about 14% of all traffic deaths [3]. Counts are fatal crashes only; the table below gives Tennessee, Alabama, Oklahoma and South Carolina.

Is a helmet required in Tennessee?

Yes. Tenn. Code Ann. § 55-9-302 requires the driver and any passenger of a motorcycle, motorized bicycle or motorscooter to wear a helmet that meets federal standard 49 CFR 571.218, or, for riders 21 or older, one that meets the section's alternative requirements and carries a compliance label [1].

Who is exempt from the Tennessee helmet requirement?

The section lists people in an enclosed cab, fully enclosed autocycles, golf carts, riders in a parade at no more than 30 mph who are 18 or older, and certain funeral processions, memorial rides and body escort details with age, speed and distance limits [1].

How many motorcyclists die in Memphis-area crashes?

NHTSA's FARS counts 180 motorcyclist deaths (rider or passenger) in Shelby County from 2015 to 2024, about 9% of all traffic deaths, between 6 and 24 a year.

How long do you have to file after a motorcycle crash?

Each state sets its own deadline, with exceptions. Tennessee's usual deadline for a personal injury lawsuit is one year (Tenn. Code Ann. § 28-3-104); see the Tennessee, Alabama, Oklahoma and South Carolina pages. General information, not legal advice.

CrashFirst is not a law firm and does not give legal advice. This checklist is general information. Every situation is different.

Questions before you decide? Asking is free.