PA -- comparative negligence is to be decided by the adjusters. They're looking at a 60/40 split, more liability on me. My company will not pursue damages for me because I did not have collision and they stand to lose nothing for my own vehicle repair. They're fighting the minor repair to the other party's vehicle. They tell me not to see an attorney because if they decide I'm more in fault, I will not be able to recoup my losses at all (I would then be more than 50% liable, so not able to seek damages of my own). Do they have the ability to determine if I am to be awarded nothing at all for my own vehicle damage?