首先， 事故的定性（ Contributory Negligence）是由保險公司（GEICO）做出的（並因此拒絕任何賠付。注：事故雙方的保險公司都是GEICO）。事實是，我朋友在停車場正常行駛，對方從Parking Space倒車出來，然後撞上了我朋友的車（對方的車的尾部撞在了我朋友的車的側麵）。我朋友有Priority，怎麽能是雙方共同的責任？（我們認為GEICO有點兒強詞奪理。）
其次，退一步講，即使是 Contributory Negligence，根據保險公司的界定（對方80%的責任，我朋友20%的責任），對方（保險公司）應該賠償我朋友80%的修車費，怎麽能夠沒有任何的賠付？
以下是 Code of Virginia 關於 Contributory Negligence 的引用：
In all actions brought against any such common carrier to recover damages for personal injuries to any employee or when such injuries have resulted in his death, the fact that such employee may have been guilty of contributory negligence shall not bar a recovery, but the damages shall be diminished by the jury in proportion to the amount of negligence attributable to such employee; and no such employee, who may be injured or killed, shall be held to have been guilty of contributory negligence in any case when the violation by such common carrier of any statute enacted for the safety of employees contributed to the injury or death of such employee.
根據以上所述，因為對方的保險公司（GEICO）拒絕賠付，如果我朋友告對方個人（或者保險公司？注：也許保險公司不會cover對方，這就不是我朋友要考慮的問題了）要求索賠（至少80%），成功的機率有多大？
對法律法規條例不甚了解，不知道理解的對不對，還請各位不吝賜教。
非常感謝！
