How the Rules of Insurance May Affect Your Car Accident Claim When it is time to file an accident claim the rules of insurance play a major part in the result. While some cases are straightforward, others are more complex. Your claim may also be affected by the rules of contributory negligence and fault. You can determine who is at fault by understanding the laws governing insurance in your state. No-fault state It's a good idea seek legal advice if you were involved in a serious accident. An attorney who specializes in accidents with cars ca