Here's what they told me In accordance with the Comparative Negligence Law of California, your damages may be reduced if the driver is partially responsible for the accident. Our investigation concluded that our insured is not fully responsible for this loss. You were found to be 50% at fault for failure to keep a proper lookout. Our obligation as an insurer is to cover damages for which our insured is legally liable. Therefore you received a check in the amount of $633.03 which represents 50% of the allowable damages. If you feel that your claim has been wrongfully denied or rejected, you may have the file reviewed by the following state agency: So was I supposed to go off the street and hit something in order for me to not be at fault?