Highway: The other vehicle was trying to turn left into my lane and I was hit in his blind spot. He took fault for the accident. I brake hard in wet roads preventing me from hitting the side wall of the highway. Car spun out of control and in the end the car was a total loss after major damage to the front. The other vehicle had minor damage to the left side of the vehicle. Insurance company was offering 80% and now 90% after negotiating for damages. They blame 10% negligience on my part for how I REACTED after getting hit. Is that a fair assessment on how a individual reacts after not causing the accident? Thank you.