In Altus, many serious bicycle crashes involve predictable real-world conditions:
- Daytime commuting and school-area traffic, where drivers are focused on timing, turning, and lane changes.
- Darkness or glare during early/late rides, when visibility becomes a key issue.
- Roadwork and lane shifts, where signage, cones, and narrowed shoulders can affect a rider’s path.
- Large vehicles near industrial/work zones, where turning radius and blind spots can increase risk.
When insurers evaluate these cases, they often focus on narrative gaps: what you saw, what the driver saw, what the road markings showed, and whether your injuries match the crash mechanics.


