Most states reduce damages by your share of fault: if you're 20% responsible, a $100k award becomes $80k. A few bar recovery entirely past a threshold (50% or 51%).
Insurers push to assign you more fault precisely because it shrinks the payout, so documentation that establishes the other party's responsibility directly protects the number.
A settlement estimate should apply your likely fault share to the gross figure to set realistic expectations.
Try it: WorthMyClaim on comparative fault reduces settlement.