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Knowing this is crucial for fending off claims of professional negligence.

Knowing this is crucial for fending off claims of professional negligence.

To win a negligence lawsuit, the defence must deny one of the plaintiff’s claims. The defendant submits evidence to indicate they were not responsible for the plaintiff’s damages, took reasonable measures, etc. A defendant may rely on one of the few principles that may lessen or eliminate liability based on alleged negligence. Because it will serve as a good backup plan in the event that we lose, that is why we need to purchase professional indemnity insurance Malaysia.

Contributory negligence, comparative fault, and assumption of risk are three of the most popular theories. For instance, if the other party was careless, you might not be held fully accountable. Below, we address this defence to negligence accusations as well as others.

Contributory Negligence

To demonstrate the plaintiff’s contributory guilt is one of the most often employed defences to negligence claims. Contributing negligence is when a plaintiff’s activities fall below the minimum required for protection and aid the defendant’s negligence hurt the plaintiff. This means that the plaintiff’s irresponsibility likely caused the injuries.

The idea of “pure contributory negligence” is used in some states, including the District of Columbia and North Carolina. According to this philosophy, a victim who is merely 1% at fault may not be awarded damages in a case. In contrast, Indiana solely uses this approach in malpractice cases. 

“Last clear chance” is an exception to contributory negligence when the defendant could have prevented injury with ordinary care. For instance, a pedestrian crosses the street while aware of the “don’t walk” sign. The pedestrian is struck and hurt by a driver who has the right-of-way but uses her cellphone while driving. The driver can still be held accountable since had she exercised reasonable caution, she could have prevented hitting the pedestrian.

Comparative Negligence

Since comparative negligence has primarily taken the role of the theory in most states because contributing carelessness has occasionally resulted in harsh outcomes (also called “non-absolute contributory negligence”), according to the comparative negligence doctrine, a plaintiff’s recovery is reduced by the percentage of blame they bear for their damages. 

Most states have changed this rule so that a plaintiff cannot collect if the plaintiff is equally or more at fault than the defendant. 

There are three primary categories of comparative negligence:

  • Pure: The plaintiff is given a portion of the losses the defendant is held accountable for. 
  • Modified: Only if the plaintiff’s carelessness is equal to or less than that of the defendant are damages paid. 
  • Slight-Gross: Only when the plaintiff’s fault is deemed “slight” and the defendant’s negligence is considered “gross” will the plaintiff be given damages. 

For instance, a pedestrian who failed to cross at a nearby crosswalk is struck and critically hurt by a drunk vehicle. Although it’s doubtful that the car would have behaved any differently if the pedestrian had used the crosswalk, the plaintiff’s negligence may lessen the driver’s civil liability.

Getting Legal Advice Right Away 

To fight against a professional negligence claim, you must get legal counsel as soon as one is made against you, or you fear one might be as it might influence your future behaviours and decisions. 

Additionally, you must notify your insurance provider of the prospective claim. Professional Indemnity Insurance is widely available among professionals in England and Wales. Such policies cover the expense of legal action against you for employment-related reasons.

However, a lot of insurers demand that they be informed of conflicts. Therefore, reviewing your policy’s conditions is essential to determine when and how to contact your insurer. It might be a good idea to inform your insurer in writing, even if it’s just to reaffirm what was said over the phone. In this manner, you can demonstrate that you met the notification obligations.

Assumption of Risk

When a plaintiff accepts the risk associated with a risky activity but chooses to participate, the plaintiff may not be entitled to financial compensation for injuries. For this concept to apply, the plaintiff must have actual, subjective knowledge of the danger associated with the behaviour. Additionally, the plaintiff must freely consent to the risk related to the conduct. The assumption of risk defence would not cover any additional, unidentified risks.

An illustration may be a ride at an amusement park that fully upsides down and turns riders. A rider who had seen the ride and was aware of what might occur on it accepted its risks. On the other side, a plaintiff does not take the risk of an unforeseen ride-related event, such as when a loose bolt causes the ride to throw the plaintiff violently.

Are You a Party to a Negligence Claim, Consult a Personal Injury Lawyer?

The other side likely has a lawyer if you are being sued. The plaintiff’s lawyer will make an extraordinary effort to see that you are accountable for the client’s injuries. Why shouldn’t you be represented as well? It may be in your best interest to work with a skilled injury law expert to understand more about your legal alternatives, including any potential defences to a negligence lawsuit.

Last but not least, if you found this article helpful, forward it to your friends who might interested on this topic and share it to your social platforms as well. Thanks for reading!