Joint and Several Liability
Definition
A rule that allows you to collect the full amount of your damages from any one of multiple at-fault parties, even if that party was only partially responsible.
Real-World MVA Example
Two drivers cause a pile-up that injures you. One is 80% at fault and the other 20%. If the 80% driver has no insurance, you can pursue the full amount from the 20% driver.
Related Terms in Liability & Fault
Breach of Duty
When a driver fails to act with the level of care that a reasonable person would in the same situation. This is a key element in proving negligence.
Causation
The legal requirement to prove that the other driver's actions directly caused your injuries. Without causation, there is no valid claim.
Comparative Fault Threshold
The maximum percentage of fault you can have and still recover damages. Some states bar recovery at 50%, others at 51%, and some have no threshold at all.
Comparative Negligence
A legal rule that reduces your compensation by the percentage you're found at fault for the accident. Used in most states to divide responsibility between drivers.
Contributory Negligence
A harsh legal rule used in a few states where if you are even 1% at fault for the accident, you cannot recover any compensation at all.
Duty of Care
The legal obligation every driver has to operate their vehicle safely and avoid causing harm to others on the road.
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