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When you have been hurt in an accident, one of the first fears people have is that someone will say the crash was partly their fault and use that to refuse to pay. In most states, partial fault will only reduce your compensation, not wipe it out completely. But a small group of states still use a very harsh rule called contributory negligence.

Recent law changes cut the time to sue for negligent security in many cases from 4 years to just 2 years. That means waiting “until you feel better” or “until the insurance answers” can put your entire case at risk.