Many bicycle crashes here happen in predictable “friction points”—places where drivers are watching for pedestrians, turning, merging, or navigating busier-than-usual traffic patterns:
- Tourist-heavy corridors and scenic routes where drivers may be focused on navigation or slower-moving traffic
- Intersections near retail and dining areas where turning vehicles may misjudge a cyclist’s speed or space
- Construction and roadside work zones that reduce shoulder width or change lane positioning
- Commuter routes during morning and evening travel when visibility and timing become critical
When the story shifts even slightly—what lane you were in, whether a driver yielded, how lighting looked, where the bike ended up—insurers use that uncertainty to reduce payout.


