In Wellington, many cyclists share the road with drivers who are switching lanes for neighborhood access, turning into commercial areas, or speeding up after slowing down at traffic controls. Even when a driver “didn’t mean” to cause a crash, insurance companies may still dispute:
- whether the driver had adequate time to react
- whether traffic control devices and markings were visible
- whether your injuries match the crash timing
- whether you were riding in a way that affects fault
The result is that a serious injury can become a paperwork problem—statements, medical documentation, and conflicting versions of what happened.


