Morgantown traffic has a way of creating “he said, she said” situations—especially where riders share space with:
- Daily commute routes with turning vehicles
- Construction zones near major roadways
- Hills and changing sightlines where drivers may not see a cyclist until the last moment
- High pedestrian activity near campus events, game days, and popular downtown areas
Even when you believe you’re right, insurers often question details like timing, right-of-way, lighting conditions, and whether you took reasonable steps to avoid the collision. In West Virginia, those disputes can directly affect how much you recover and how quickly your claim moves.


