I see dead people.

I am thinking about a new house rule and you guys will have to tell me what you think. I haven't seen or heard of this anywhere and was wanting your input. I think if a playing character unfortunately is going to fall I think they should reach 0 hp no matter how much damage is dealt beyond 0. For example, I have 28 hp left and I am struck for 38 points of damage. We currently play as this is a very dead person at -10 hp. I think this person should have 0 hp and then begin to die. An example of the new way would be I have those 28hp and am struck for 50 points of damage I would be reduced to 0. Let me know what you guys think.