Even when the other driver seems clearly at fault, insurers may still argue:
- the cyclist “should have avoided” the collision,
- the cyclist’s injuries were caused by something other than the crash,
- treatment was delayed or unnecessary,
- or the crash happened differently than your initial description.
In practice, these disputes often come down to documentation—what was visible at the scene, what was recorded by witnesses, and how the medical record links your injuries to the crash.


