Richmond has a lot of pedestrian activity in tight urban areas—plus traffic patterns that can increase risk:
- Commuter surges: rush-hour driving can leave less reaction time at crosswalks and corners.
- Industrial and mixed-use areas: signage, lane changes, and truck traffic can affect visibility.
- Weather and lighting changes: rain and glare can make it harder for drivers to see people crossing.
- Construction and roadwork: detours and temporary markings can confuse expectations for both drivers and pedestrians.
In these situations, insurers often try to argue the crash was unavoidable or that the pedestrian was in the wrong place. The winning approach is usually the same: build a clear, evidence-backed timeline tied to the exact location and conditions.


