San Marino is a residential community with active streets where cyclists share space with cars, ride-share traffic, and delivery vehicles. After a crash, it’s common for insurers to suggest one of these narratives:
- “You were in the wrong place.” Even when you followed traffic rules, insurers may argue about lane position or timing.
- “The driver couldn’t see you.” This can be disputed with lighting conditions, visibility, and crash-scene details.
- “Your injuries aren’t tied to the collision.” If treatment wasn’t immediate—or documentation is inconsistent—causation becomes a battleground.
A fast, organized response matters because California insurers often move quickly to secure statements and limit exposure.


