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Partly at fault? What you recover in every state

The same crash can pay very different amounts depending on the state. With $100,000 in damages and 51% of the blame, an injured driver collects $49,000 in 9 states and nothing for pain and suffering in the other42 (in all but Michigan, nothing at all). In 6 places, even 10% of the blame can wipe out the claim. In 2026, New York and Louisiana both moved to the stricter 51% rule.

The map

AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutCTDelawareDEDistrict of ColumbiaDCFloridaFLGeorgiaGAHawaiiHIIdahoIDIllinoisILIndianaINIowaIAKansasKSKentuckyKYLouisianaLAMaineMEMarylandMDMassachusettsMAMichiganMIMinnesotaMNMississippiMSMissouriMOMontanaMTNebraskaNENevadaNVNew HampshireNHNew JerseyNJNew MexicoNMNew YorkNYNorth CarolinaNCNorth DakotaNDOhioOHOklahomaOKOregonORPennsylvaniaPARhode IslandRISouth CarolinaSCSouth DakotaSDTennesseeTNTexasTXUtahUTVermontVTVirginiaVAWashingtonWAWest VirginiaWVWisconsinWIWyomingWY
  • Pure comparative: you always recover, minus your share
  • 51% bar: nothing if you are more than 50% at fault
  • 50% bar: nothing if you are 50% or more at fault
  • Contributory or slight/gross: even small fault can mean $0

Same crash, different states: $100,000 in damages

Your share of faultPure comparative51% bar50% barContributory
0%$100,000$100,000$100,000$100,000
10%$90,000$90,000$90,000$0
30%$70,000$70,000$70,000$0
49%$51,000$51,000$51,000$0
50%$50,000$50,000$0$0
51%$49,000$0$0$0
75%$25,000$0$0$0

Before insurance limits, attorney fees and liens. South Dakota's slight/gross rule has no fixed percentage, so it is grouped with contributory negligence as the strictest. Michigan's 51% bar removes only pain and suffering; economic losses beyond no-fault benefits are still paid, reduced by fault. New York's 51% bar applies to car accident suits filed on or after May 26, 2026. Juries decide fault percentages, and small shifts near 50% change outcomes completely.

States by rule

Pure comparative: you always recover, minus your share (9)

51% bar: nothing if you are more than 50% at fault (26)

50% bar: nothing if you are 50% or more at fault (10)

Contributory or slight/gross: even small fault can mean $0 (6)

Key findings

Methodology

Rules come from each state's statutes and leading court decisions, linked on every state page. The table applies each rule to a $100,000 claim before insurance limits and fees. See the full methodology. Journalists and researchers may use the map and figures with a link to this page.

Download the data

All 50 states and DC: fault rule, lawsuit deadline, insurance minimums, no-fault system, uninsured motorist requirement and pain-and-suffering cap. Free to use under CC BY 4.0 with a link to this page.

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Want your own number? Use the settlement calculator with your state and share of fault.

Frequently asked questions

Can I get money if I was partly at fault for a car accident?
In most states, yes, but less. 9 states use pure comparative negligence, so you always recover minus your share. 36 states bar recovery once your fault reaches 50% or 51%. In 6 places (contributory negligence or South Dakota's slight/gross rule), even a small share of fault can mean $0.
Which states use contributory negligence?
Alabama, District of Columbia, Maryland, North Carolina, Virginia use contributory negligence, where any fault on your part can bar recovery. South Dakota uses a slight/gross comparison.
Which states changed their fault rules recently?
New York (May 26, 2026) and Louisiana (January 1, 2026) moved from pure comparative negligence to a 51% bar.