The 1% Nightmare: NC Contributory Negligence Bill Layne Agency • Elkin, NC THE 1% NIGHTMARE: How "I’m Sorry" Costs You Everything in NC! Imagine this: You are driving down North Bridge Street in Elkin. You have the green light. You are doing everything right. Suddenly, a distracted driver blows a stop sign and T-bones your brand-new truck. The other driver was 99% at fault . He was texting, eating a burger, and speeding. But... you were going 36 MPH in a 35 MPH zone. Or perhaps, in the chaos of the moment, you stepped out of your car and said two fatal words to the other driver: "I'm sorry." Guess what? In North Carolina, you just lost your right to a single dime. ...