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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 accident case. Some cases are easy, while others are more complicated. Your claim could also be affected by the rules of contributory negligence and fault. You can determine which party is responsible by analyzing the insurance laws in your state. State without fault If you've been involved in a serious accident it's recommended to consult with an attorney. An attorney that specializes in car accidents can hel