In North Carolina, the legal system follows a contributory negligence rule, which allows the at-fault driver’s insurance company to deny a claim if the injured party is even 1% at fault. This means that even a minor level of negligence on the part of the injured person can result in the denial of their claim. For example, if someone enters an intersection without the right of way, but the injured person was going slightly over the speed limit at the time, they could be deemed 1% at fault and have their claim denied. Similarly, being involved in an accident while trying to get through a yellow light, though not explicitly illegal in North Carolina, could still lead to a 1% fault determination by the insurance company and a denied claim. If you still have questions about your claim contact us to find out your options.