In a smaller city like Auburn, crashes often happen in “ordinary” places—busy intersections, school-area routes, or roads where traffic moves quickly even when conditions feel familiar. When a claim is filed, insurers may argue:
- you were partly responsible for the collision,
- the injury wasn’t caused by the crash,
- or treatment was delayed or unnecessary.
Those arguments are common in New York bicycle cases because comparative negligence can reduce recovery even when the other party was also at fault.


