Every state is able to make its own regulations for how fault or liability is determined after a car accident. If you are involved in a car accident, such as getting rear-ended, in a no fault state like New York, it means that your insurance will likely reimburse you for damages regardless of who caused the accident. At-fault states like California, however, require the insurance of the person who caused the accident to pay for all damages. This means that if you break your arm during a pedestrian accident, but you are at fault, your insurance will be responsible for paying your medical costs and any damages to the other party.