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How does car insurance work after an accident? How car insurance works after an accident depends on who is at fault and what is your insurance coverage. If you are injured in a car accident, and you want to claim compensation for your personal injury suffered in the car accident, it's not hard. In Western Australia, when you make a motor vehicle accident injury claim for your car accident through the Insurance Commission of Western Australia (ICWA), the main thing that you have to focus on is sh