Finding out the driver who hit you doesn’t have insurance can feel like a nightmare. With medical bills, car repairs, and lost wages piling up, you may wonder: “Am I just stuck paying for everything myself?” The good news is — you still have options.

Car accidents aren’t always black and white. Sometimes, both drivers share some of the blame. That’s where the legal concept of comparative negligence comes into play. If you’ve been in an accident and worry that your own mistakes might reduce your compensation, understanding comparative negligence is key.