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How the Rules of Insurance May Affect Your Car Accident Claim The rules of insurance play an essential part in determining the outcome of a car accident case. Some cases are simple, while others are more complex. The rules regarding negligence and fault could impact your claim. You can determine which party is responsible by analyzing the insurance laws in your state. State without fault When you've been in a serious car accident it's a good idea talk to a lawyer. An attorney with expertise in car accidents can help determine whether you have