It’s not uncommon for insurance companies to blame victims for getting hurt. Florida is a modified comparative fault state. You will be barred from recovering damages if you’re allocated over 50% of the blame for your accident. If you’re 50% or less responsible, your damages award will be reduced in proportion to your share of fault.
You don’t have to accept the insurance company’s allegations at face value. An experienced attorney can help you discredit any evidence the insurance company uses to blame you for the accident.