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 a major part in the outcome. While some cases are simple, others are more complex. The rules of fault and contributory negligence may impact your claim. You can determine who is responsible by understanding the insurance laws in your state. State without fault When you've been in a serious accident it's a good idea speak with an attorney. An attorney that specializes in car accidents can help determine if