Contributory fault is a rule in tort law that prevents an injured person from recovering compensation for their injuries if their own negligence contributed to their accident. This rule is sometimes called contributory negligence. If contributory negligence applies, an injury victim will be barred from getting compensation for their injuries if they are found to be even 1% at fault for their accident. Imagine you are injured in a car accident and suffer $100,000 in damages. Suppose that you are found to be 1% responsible for your accident because you were going 1 mile per hour over the speed limit. Under the contributory negligence rule, you would not be entitled to recover any of your damages from the other driver.
It is fairly evident that this is a harsh rule, and only four states, plus the District of Columbia, follow this doctrine. Those states include:
- Alabama
- Maryland
- North Carolina
- Virginia
- District of Columbia
A common method the insurance company uses to try and avoid paying your claim is to blame you for the accident. This is especially true in jurisdictions that follow the contributory negligence rule. An alternative rule, known as comparative negligence, is followed by most states.