It is difficult to answer your question because you do not explain your injury. You have not related why the insurance company has assessed 50% fault to you for the accident. I would advise that if you have an injury that required you to seek medical attention and you are still symptomatic with pain and or disability that you should consult with an experienced personal injury lawyer. If you were not at fault for the accident and that is confirmed by the physical evidence of the accident, witness statements, and the police traffic accident report than the insurance company is just being arbitrary in trying to get you to reduce your claim by 50%. Don't accept their offer and seek legal advice.
If you are complaining of personal injuries, retain a lawyer. For property damage, if you are in South Carolina, one good way to litigate property damage is to go to the County Clerk of Court and file for arbitration. In the alternative, if you have collision, let your insurance pay and they can sue the other driver.
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