What is negligence?
Negligence is defined as the failure of an individual to act in a manner that is reasonably prudent. There must have been a breach of duty to act in a prudent manner that led to the injury or damage to prove negligence. Insurance companies will not pay out on claims if negligence is proven, and injured parties may sue the at-fault party for damages.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Jan 25, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
The definition of negligence is a key part of the claims process in insurance.
Otherwise they will not be able to collect for damages.
While a specific act of negligence is often open to interpretation, the definition is rather simple.
“Negligence” can be defined as the failure of a individual to act in a manner that is reasonably prudent.
Four Elements of Negligence Must Be Proven
With regard to insurance claims however, there are four elements of negligence that must be proven in order to win a lawsuit.
Without all four, the claimant is out of luck. Let’s look at an example of a situation where all four elements are present:
First, there must be a duty to act in a prudent manner. You can’t be found negligent for walking down the street minding your own business.
An example of a duty to act would be the ownership of a dry cleaning store. You are responsible for maintaining a safe environment inside and outside your store (this includes the parking lot).
The second element of proving negligence requires (as the store owner) a breach of the duty to act in a prudent manner.
For example, if the parking lot of your store is icy, and you do not throw salt down on the walkway to ensure people don’t slip and fall, you are not following through on this duty.
Next, an actual injury or damage must occur. This means you cannot be sued for simply not salting the walkway.
Someone actually has to slip, fall, and injure themselves in some manner in order to attempt to collect for damages.
Finally, the breach of duty to act in a prudent manner must be the exact, or proximate, cause of the injury.
Slipping on the ice, in this example, must be the exact reason the person injured himself or herself.
If someone fell in your parking lot, but it was because another person bumped into him or her, not from slipping on the ice, they would not be able to collect damages from you.