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. Some cases are simple, while others are more complicated. Your claim may also be affected by the rules of contributory negligence and fault. You can determine which party is responsible by understanding the insurance laws in your state. No-fault state When you've been in a serious accident it's a good idea consult with an attorney. Attorneys who specialize in car accidents can help you