If people went into it thinking its a social universe than they are at fault for not doing research and not learning about the game for themselves. (n4g.com)
There is always a chance that it wasn't play acting, and if that had been the case, the doctor would have been totally at fault for not going on. (justarsenal.com)
Meaning if you were not at fault for causing the accident then you liability coverage can not be used. (carinsurancequote.net)