If you partially contributed to cause the damage, the indemnity is reduced proportionally according to your degree of fault. However, this assessment of concurrent fault must be justified; it is not enough for the insurer to allege it, it must be proven. A specialized attorney counters the unfounded allegations of victim fault that insurers routinely use to reduce their payouts. Even if there was some degree of fault on your part, that does not eliminate your right to be partially compensated for the fault of the other.