What I see as wrong is that, at least in this corner of the country, the plaintiff is entitled to collect from whichever defendant has the money, so if the [insert favorite adjective here] student is X% at fault, the [insert favorite adjective here] university is Y% at fault, and the [insert favorite adjective here] driver is Z% at fault, even if university's Y is only .5, she could collect from the university's deep pocket its Y% PLUS the driver's Z% of total damages, and it would be left to its own devices to seek reimbursement from the [likely uninsured or bankrupt] driver.