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How the Rules of Insurance May Affect Your Car Accident Claim When it comes to filing a car accident claim the rules of insurance play an important part in the outcome. Certain cases are straightforward, while others are more complex. Your claim could also be affected by the rules of contributory negligence and fault. Knowing the rules and the specifics of your state's insurance laws will help you determine which party is responsible. No-fault state When you've been in a serious car accident, it's a good idea speak with a lawyer. An attorney