In a smaller city, people often think “everyone knows what happened.” But in real injury claims, disputes still arise—most commonly around:
- Right-of-way at intersections (turning vehicles vs. cyclists)
- Visibility and lighting near evening commutes and seasonal dusk
- Road debris and construction zones affecting safe riding lines
- Dooring and lane encroachment in areas with frequent curb activity
Even when you feel confident about what happened, insurers may argue the crash was “unavoidable,” that you were riding unsafely, or that your injuries weren’t caused by the collision.


