Pure comparative fault is followed in Alaska, Arizona, California, Florida, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, New York, Rhode Island, South Dakota, and Washington currently.
This essentially means that the plaintiff can be 99% liable for the cause of the accident and still sue and recover damages from the accident.
Modified comparative fault and pure contributory negligence are the other two ways that states evaluate who was at fault in a car accident. Pure contributory negligence is used in Alabama, DC, Maryland, North Carolina, and Virginia. Many of these states also preclude or restrict pre settlement funding all together. In jurisdictions where fault is modified, pre settlement funding companies prefer the insurance company accept liability unless it is a clear cut case of liability, such as a rear end accident.
State Insurance Minimums and Loans for Car Accident Victims
Car insurance is compulsory in most states, and each state has different minimum insurance requirements. For instance, New Hampshire law indicates that you must be financial responsible although you are not required to purchase car insurance to drive a car. As we mentioned previously, obtaining car insurance information early on in an accident case can be difficult, so often we will have to assume the state minimums as a starting place.
American Pride Legal Funding works hard to find loans for car accident victims. If you have been involved in a motor vehicle accident and need financial assistance while you wait for your settlement, give us a call today.