Many crashes here happen in predictable “real-life” ways:
- Left-turn and yield failures at intersections where drivers are watching other lanes or making late decisions.
- Lane squeeze / passing too close on roads where drivers assume cyclists will “fall in” instead of maintaining a safe line.
- Construction and resurfacing impacts near work zones or areas with temporary markings.
- Night and early-morning visibility issues, especially when lighting is uneven and reflective gear isn’t enough.
- Tourist/visitor traffic during peak seasons—more unfamiliar drivers, more sudden stops, and more unpredictable driving behavior.
When these patterns show up, insurance companies may argue about “how the cyclist appeared” or “how much time the driver had.” That’s why a strong case depends on getting the right facts early.


