Before you think about claims, prioritize safety and documentation:
- Get medical care promptly. Even if symptoms seem minor, some bicycle injuries (concussions, soft-tissue damage, internal bruising) can worsen over time.
- Report the crash if it involves a vehicle or injury. A police report (when available) can become a key reference for later insurance and liability disputes.
- Capture scene details while you can: vehicle positions, traffic signals/signage, lane markings, lighting conditions, road debris, and any hazards.
- Write down your timeline (what you remember, in order). In Los Lunas, many crashes happen around routine commute patterns—small timing details can be critical.
- Keep all medical paperwork and note every follow-up visit, medication, and work restriction.
If you’re dealing with insurance right away, don’t feel pressured to “just give a statement.” What you say can be used later—sometimes out of context.


