How the Rules of Insurance May Affect Your Car Accident Claim When it is time to file a vehicle accident claim the rules of insurance play an important role in the final result. Some cases are easy, while others are more complex. Your claim could be affected by the rules of contributory negligence and fault. Knowing the rules and specifics of your state's insurance law can help you decide who to blame. No-fault state When you've been in a serious car crash, it's best to seek out a lawyer. A lawyer who is specialized in car accidents can help