You can usually still claim. Where you contributed to the accident, the compensation is reduced by a percentage that reflects your share of the blame, called contributory negligence.
The short answer
You can usually still claim. Where you contributed to the accident, the compensation is reduced by a percentage that reflects your share of the blame. This is called contributory negligence.
The insurer will often argue for a higher share than the facts support, and that percentage is negotiated like everything else in the claim. Evidence gathered early, such as photographs, witness details and any incident report, is what keeps the argument honest.