Often, yes — and this is one of the most important things to understand after an ATV crash. California follows pure comparative fault, which means that even if you were partly responsible, you can still recover; your recovery is simply reduced by your percentage of fault. Being told you were 'reckless' does not end a claim.
Just as important, the blame the insurer puts on the rider is frequently not the whole story. A rollover-prone or unstable design, a faulty part, an unsafe or poorly maintained trail, or another rider's careless operation may have caused or contributed to the crash. An investigation of the machine and conditions often shifts responsibility away from the rider.
That is why it is worth getting a free review before you accept blame or a quick offer. Pushing back on the blame-the-rider narrative, and identifying every party who actually contributed, is central to a fair recovery — and it is exactly the work we handle.