content: Has it always to be fault of someone to have accidents?  It's true that it doesn't have to in all cases, but it is in the vast majority.  There is no need to blame someone for an accident, it is an accident, that's why we have insurances  You don't have insurance because no one is to blame. You have insurance to make sure that if you are to blame, the other party will be compensated (and maybe you too, depending on the policy).