There are two different types of car insurance states: fault and no-fault. Most states, including Colorado, are fault states. After a T-bone accident in Colorado, the person or party most responsible for causing the crash must pay for victims’ medical bills and property repairs. The victim must prove that the other driver is at fault using evidence to qualify for coverage. In a no-fault state, on the other hand, determining fault for a T-bone car accident may not be required, as both drivers file claims with their own insurance companies regardless of fault.