Even when it seems obvious that a driver caused the crash, California insurance adjusters frequently challenge the story. In Lomita, common points of conflict include:
- Turning and merging moments near intersections where drivers may be focused on traffic flow.
- Crosswalk visibility affected by glare, weather, or vehicle placement.
- “Sudden entry” arguments, where the driver claims they couldn’t reasonably see you in time.
- Shared-fault narratives that try to reduce the payout by alleging the pedestrian was partly responsible.
California uses comparative fault rules, so the insurance company may try to assign any percentage of fault to you. A strong case in Lomita focuses on proving what the driver saw (or should have seen), what they did (or failed to do), and how that directly led to your injuries.


