Every bike crash is unique, but San Marcos riders often face predictable risk scenarios:
- Intersection conflicts: Left turns across a cyclist’s path, failure to yield at multi-lane intersections, and uncertainty about right-of-way.
- Lane-sharing and turning vehicles: Drivers entering or exiting lanes near busy corridors, making last-second adjustments.
- Visibility issues: Dawn/dusk commuting, glare, and situations where a cyclist appears briefly in a driver’s blind spot.
- Construction and roadway changes: Detours, temporary striping, and drivers who aren’t expecting altered traffic flow.
- Driver distraction: Phone use, navigation distractions, and attention pulled by nearby commercial activity.
Because these factors show up repeatedly, insurers often look for reasons to blame the rider or minimize the other driver’s duty. Your job is to preserve evidence and keep your story consistent—especially early.


