Some states have “no-fault” laws that allow a person injured in an accident to deal exclusively with their own insurance unless the accident and resulting injuries are serious enough to warrant litigation. However, California is a “fault” state, which means that claims must be made against the at-fault party (or their insurance) in the event of any accident – regardless of how serious your injuries may be. Often, insurance companies may avoid assisting you with a claim or getting treatment, especially if you have “liability” or “third-party” insurance that only covers liability if you caused the accident. That is why it is so important to consult with an experienced personal injury attorney to protect your rights.