Q. What if the accident is partly my fault?

If an action of yours (i.e. driving 5 or 10 mph over the speed limit) contributed to the accident, you can still recover from the other driver's insurance company as long as the other driver is determined to be at least 51% "at-fault". The percentage is merely a matter of negotiation with the insurance adjuster. Courts refer to this rule as the rule of "comparative negligence". A few states use the rule of "contributory negligence" which prohibits you from recovering even if you are only 1% responsible. However, in practice the degree of your responsibility for the accident is a matter of negotiation with the insurance adjuster.