You're still digging into state law and not "natural law".No, it is reality law in no-fault states. Who was at fault only matters in those if you are permanently injured. Collision damage, wage loss, medical and personal assistance are all from your company, regardless of fault. Basically, you insure your own ass, not the other guy's. If you are uninsured, you can't collect from anybody, regardless of fault or permanent injury. Brutal but very clear-cut on who pays what.
Example: man-made law says you file at the county clerk saying you own x piece of property with mapped out political boundaries of x, y, and z.
Natural law says you can only posses that which you can defend and keep someone else from taking.
In the car crash scenario we're all supposed to carry insurance to take care of fuckups.
Natural law says that might be nice but Murphy gets a vote too. You preserve and protect your own by paying attention and not crashing into shit and realizing every one else on the road may or may not be so careful and being defensive of that too. Colored lights, yellow lines, crosswalks, etc. don't actually stop cars. They're just suggestions.