How the Rules of Insurance May Affect Your Car Accident Claim The rules of insurance play an essential impact on the outcome of a car accident case. While some cases are simple while others are more complicated. The rules regarding fault and contributory negligence may also affect your claim. You can determine which party is responsible by analyzing the laws governing insurance in your state. No-fault state It's a smart idea to consult a lawyer if you are involved in an accident. A lawyer who is specialized in accidents with cars can help you