Which Rule excludes evidence of insurance to prove negligence or fault?

• A. Rule 411
• B. Rule 413
• C. Rule 414
• D. Rule 1007

Answer: (A)

The main idea is that evidence showing a party has liability insurance cannot be used to prove they were negligent or at fault. This rule exists to prevent prejudice and avoid sending the message that having insurance means the person was responsible, which could unfairly sway the jury. Insurance evidence is kept out of fault determinations, though it can be admitted for other permissible purposes, such as showing ownership, control, or testing a witness’s bias or interest. The other topics covered by the other rules—such as rules about admitting evidence related to past sexual offenses or about proving the contents of writings by other means—do not address whether insurance can be used to prove fault, so they aren’t applicable here.