It's easy enough to say that the person or business that caused an accident must pay for your injuries/loss. But before you get to that point, you must determine who was legally at fault. Although solicitors and insurance companies would like you to think that legal responsibility, called "liability," for an accident is a complicated question, the answer usually requires nothing more than common sense.
Liability revolves around the simple fact that most accidents happen because someone was careless -- or "negligent."
Legal liability for almost all accidents is determined by this rule of carelessness, and by one or more of the following simple propositions:
Even if you were careless and partly caused an accident, you can still get at least some compensation from anyone else who was also careless and partly responsible for the accident. The amount of the other person's liability for the accident is determined by comparing his or her carelessness with your own. The percentage of liability determines the percentage of the resulting damages he or she must pay. This rule is referred to as contributory negligence.
Example Bob was in a car accident in which he stopped short and was hit from behind. If the other person had been 100% at fault, Bob's injuries/losses would entitle him to £10,000 (EUR 15,000). However, the police accident report notes that Bob stopped short because one of a group of children next to a school looked as if he was going to dart into the street. The insurance company for the person whose car hit Bob from behind points out that Bob should have been going slowly enough in the school area to be able to stop without having to slam on his brakes.
In this case, not going slowly enough may have made Bob about 10% negligent. Because of this, the person who hit him is not liable to Bob for the full compensation of £10,000, but for only £9,000 (100% liability minus Bob's 10% liability = 90% liability).
There is no formula for arriving at a precise number for a person's comparative carelessness. During claim negotiations, you and an insurance adjuster will discuss all the factors that might have resulted in the accident. Then the question of your own carelessness goes into the negotiating hopper along with all the other factors that determine how much your claim is worth -- such as the seriousness of your injury and the amount of your loss.
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