California is an at-fault state, which means the driver responsible for causing an accident is liable for the resulting damages. Unlike no-fault states where each driver's insurance covers their own injuries regardless of who caused the crash, California requires the at-fault party's insurance to compensate injured victims. This system places significant emphasis on proving who was negligent and to what degree.
The state follows a pure comparative negligence rule under California Civil Code Section 1714. This means that even if you're 99% at fault, you can still recover 1% of your damages from the other party. However, your compensation is reduced by your percentage of fault. For example, if you're awarded $100,000 but found 30% responsible, you'll receive $70,000. This makes accurate fault determination crucial to maximizing your recovery.
Insurance companies employ adjusters and investigators whose job is to minimize their company's liability. They'll scrutinize every detail of the accident to shift blame onto you or other parties. Without compelling evidence, they may argue you were speeding, distracted, or violated traffic laws. Having a car accident lawyer who understands California's fault system can level the playing field and ensure evidence is properly preserved and presented.