Competitive negligence free auto insurance quote
In the state that I live in, they have a comparative negligence law. What is that?
Amy
Glad you asked.
A comparative negligence law comes into play when no one person was at fault in a car accident, but rather both drivers were. If one driver only had a small part to play, however, you can hardly charge him just as much as the other driver who was the cause of most of the problem, but at the same time you can’t charge that second driver for everything, since he was still only partially at fault. Comparative negligence laws make an already confusing business more perplexing still, but it is a much a fairer look at things.
Comparative negligence basically looks at the accident and tries to figure out who falls into each group: who was more at fault, who was less. Then, they have to quantify by how much someone was at fault in numerical terms. So, say you get into a car accident and it was both your and the other driver’s fault. It turns out that they find that it was 25% your fault, and 60% the other person’s fault, and 15% nobody’s fault. Confusing, I know.
Every state has a different way of operating with its comparative negligence laws, but there are two main ways of going about it that are widely practiced, and it would make sense to figure out which one of these your state is. It would also make sense to get a free auto insurance quote for each company that you’re interested and research into which type of competitive negligence they do.
The first one is called pure comparative negligence, and this is also called the 100% type. The way it works is that, if somebody gets into an accident where both parties were at fault, each person can only get claims reimbursements up until the amount of which the other person was at fault. So, back to you again–you’re 25% at fault, and your damages tally up to $5,000. You would get, instead of the full amount, $3,750.
Then there is Modified Comparative Negligence. This is the one that you see in most states, and it also goes by the names of 50% type and 49% type. The reason why it is called those names is because the crux of the idea is that a person is only allowed to collect from the other party if the accident was less than half, or in some cases less than 49%, their fault.
Cheers,
Fashun Guadarrama.
Loading ...