Many bicycle crashes here involve scenarios that are easy for insurers to challenge:
- Intersection and turning disputes near heavily used commuting corridors where multiple directions of travel converge.
- Right-of-way disagreements when drivers claim a cyclist “should have slowed,” “was in the wrong lane,” or “appeared suddenly.”
- Dooring and lane squeeze situations in areas with frequent curbside activity.
- Construction and maintenance issues that can change traffic flow and sightlines on short notice.
Even when it feels obvious what happened, coverage decisions often turn on details—timing, visibility, traffic control devices, and the consistency between your recollection, any witness accounts, and your medical timeline.


