How the Rules of Insurance May Affect Your Car Accident Claim The rules of insurance play an important part in determining the outcome of a car accident case. Certain cases are straightforward, while others are more complex. The rules regarding fault and contributory negligence may affect your claim. You can determine which party is at fault by understanding the laws governing insurance in your state. No-fault state It's a smart idea to contact a lawyer if have been involved in a serious accident. An attorney that specializes in car accidents