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How the Rules of Insurance May Affect Your Car Accident Claim The rules of insurance play a significant part in determining the outcome of a car crash case. While some cases are straightforward, others are more complex. Your claim could be affected by the rules of contributory negligence and fault. You can determine which party is responsible by analyzing the insurance laws of your state. State faultless If you've been involved in a serious car crash, it's a good idea to speak with a lawyer. Attorneys who specialize in car accidents can help