In and around Cibolo, many bicycle injuries happen in situations where the facts are disputed: a driver claims they “never saw” the cyclist, a cyclist believes they had the right-of-way, or both sides disagree about timing at turns and intersections.
That’s why the first priority is building a record that can survive insurer scrutiny. In practice, that means documenting:
- Where you were riding (lane position, distance from curb/shoulder)
- What the traffic controls were doing (signals, stop signs, turning lanes)
- What changed in the roadway (construction zones, lane shifts, debris)
- How the impact happened (turning movement, dooring, sudden braking, evasive swerves)
Texas insurance adjusters commonly focus on inconsistencies and gaps. When the evidence is thin, they try to reduce value—sometimes quickly.


