You trip on a loose floor tile in a grocery store and break your wrist. The floor was clearly damaged. You were also texting while walking. Who pays for your medical bills? The answer is not as simple as you think, because the law does not always put 100 percent of the blame on the property owner. In many slip and fall cases, your own actions can reduce or even eliminate the money you recover. This is called comparative negligence, and it is one of the most misunderstood parts of these claims.

Here is how it works. A property owner has a legal duty to keep their premises reasonably safe for visitors. This means fixing broken stairs, cleaning up spills in a timely manner, putting up warning signs, and making sure lighting is adequate. If they fail to do that and you get hurt, they are negligent. But you also have a duty to look where you are going and to act with basic common sense. If you ignore that duty, you are negligent too. When both sides share fault, the court compares the percentages. If you are found to be 30 percent at fault, your settlement or verdict is reduced by 30 percent. If you are found to be 50 percent or more at fault in many states, you get nothing at all.

Let’s use a real-world example. A woman walks into a hardware store and slips on a puddle of water near the entrance. The store had no wet floor sign, and the spill had been there for over an hour. That is clearly the store’s fault. But the woman was carrying a large box that blocked her view of the ground. She also walked in at a brisk pace without slowing down. Under comparative negligence, the store might be 70 percent responsible for not cleaning up the spill. The woman might be 30 percent responsible for not seeing what was directly in front of her. Her $10,000 in medical bills becomes $7,000. Some people find this unfair, but the law sees it as spreading responsibility fairly.

There is another layer that makes these cases even trickier. In most slip and fall claims, you have to prove that the property owner knew about the hazard or should have known about it. This is called notice. If a spill happens two minutes before you slip, the store may not be liable because they did not have time to clean it up. If the spill happened two hours ago, the store is probably liable because they had plenty of time to spot it and react. But comparative negligence still applies. Even if the store had notice and is clearly negligent, you still have to show that you were not careless. One famous case involved a man who slipped on a wet floor in a restaurant. The restaurant admitted the floor had been wet for a long time. But the man was wearing flip-flop sandals and running to get a table. The jury found him 60 percent at fault, and he received nothing because his state’s law barred recovery past 50 percent.

What does this mean for you? It means that after any slip and fall, you need to be honest about what you were doing at the moment of the accident. Were you looking at your phone? Were you carrying something that blocked your view? Were you in a hurry? Were you wearing appropriate footwear for the weather? Were you ignoring a clearly visible warning sign? These details will be dug up by the property owner’s insurance company. They will pull surveillance footage, ask witnesses, and question your own friends and family. If you say “I have no idea how I fell” and the video shows you looking down at a text message, your claim will collapse.

To protect your case, do not admit fault at the scene. Say “I slipped” but do not say “I wasn’t paying attention.” Take photos of the hazard and your shoes. Report the accident to the manager right away. And most importantly, see a doctor even if you feel fine. But as you build your claim, remember that the law does not treat you as a passive victim. you are an active participant. The moment you enter someone else’s property, you agree to act reasonably. If you do not, your own negligence can cut your recovery in half or wipe it out entirely. That is not cruel. That is just how comparative negligence works.

Some states have modified comparative negligence, which means you can only recover if you are less than 50 percent at fault. Others have pure comparative negligence, which means you can recover even if you are 99 percent at fault, just for 1 percent. A handful of states still use contributory negligence, where any fault at all, no matter how tiny, blocks recovery. You need to know which rule applies in your state before you even start a claim. A lawyer can tell you quickly. But the bottom line is simple: you cannot control what the property owner did, but you can control your own behavior. The more careful you are, the stronger your case. The more careless you are, the less you walk away with. In slip and fall claims, your own feet rarely stay out of the picture.