Comparative Negligence
Insurance Glossary
Comparative negligence is a legal principle used in tort law to allocate fault between multiple parties involved in an accident or injury. It recognizes that more than one party may be responsible for causing a loss and apportions damages based on each party’s degree of negligence.
Here’s how comparative negligence works
- Fault Allocation: The court or jury determines the percentage of fault attributable to each party involved in the incident.
- Damage Reduction: The injured party’s compensation is reduced in proportion to their own degree of fault.
- Types of Comparative Negligence:
- Pure Comparative Negligence: The injured party can recover damages even if they are primarily at fault, but their compensation is reduced by their percentage of fault. For example, if a plaintiff is 90% at fault, they can still recover 10% of their damages.
- Modified Comparative Negligence: The injured party can only recover damages if their fault is below a certain threshold, usually 50% or 51%. If their fault exceeds the threshold, they cannot recover anything.
Example
In a car accident, Driver A is found to be 70% at fault, and Driver B is 30% at fault. Under pure comparative negligence, Driver B could recover 70% of their damages from Driver A. Under modified comparative negligence with a 50% threshold, Driver B could recover 70% of their damages, but if their fault were 51% or more, they would recover nothing.
Comparative negligence is a widely used principle in personal injury law, promoting fairness by allocating responsibility based on each party’s contribution to the loss. It prevents the injured party from recovering full damages if they were also partly at fault for the incident.
