Lima cyclists frequently share the road with drivers moving through higher-speed stretches, turning lanes, and streets with changing traffic patterns during the school year and peak shift times. Even when you believe you did everything right, insurers may argue:
- The driver “saw you in time” (or claims they couldn’t)
- The crash was caused by your speed, lane position, or reaction
- Your injuries were minor—or not caused by the collision
- Photos or witness statements are incomplete or unreliable
When liability is contested, the difference between a low offer and a fair resolution is usually the quality of the evidence and how clearly it connects the crash to your medical record.


