In a smaller community, it can be easy to assume everyone will agree on what happened—until an adjuster reviews the facts and starts raising alternate theories. In Kelso, common dispute points include:
- Intersection and turning conflicts on busier corridors, where timing and visibility become central.
- Construction and roadwork zones that change traffic patterns, sight lines, and lane space.
- Low-light visibility during early morning or evening commutes, especially around areas with limited lighting.
- “You should’ve avoided it” arguments, where the insurer claims the cyclist had time to react—even when the rider was traveling lawfully.
When those issues show up, the difference between a weak claim and a strong one is usually evidence and consistency, not just what you believe happened.


