How the Rules of Insurance May Affect Your Car Accident Claim The rules of insurance play a significant impact on the outcome of a car crash case. Certain cases are straightforward, while others are more complex. The rules regarding contributory and fault can affect your claim. You can determine who is to blame by understanding the laws governing insurance in your state. State without fault It's a good idea consult a lawyer if you are involved in an accident. An attorney who specializes in car accidents can help determine if you're the victim