After a collision, it’s common for insurers to argue one of the following:
- The driver “couldn’t see” the cyclist in time (especially around curves, nighttime rides, or changing weather).
- The cyclist was riding in a way that contributed to the crash.
- The injuries don’t match the crash type or timeline.
- The medical treatment was delayed, unnecessary, or unrelated.
In South Carolina, the legal process can also involve comparative negligence, meaning compensation can be reduced if the other side claims you share some fault. That’s why your early documentation and communications matter—before the story hardens into something you can’t easily correct.


