Baltimore has dense street networks, frequent bus routes, and many areas where drivers must anticipate pedestrians—especially around:
- Transit corridors where people cross to reach stops
- Downtown and commercial areas with high turnover of vehicles and foot traffic
- Neighborhood retail strips where shoppers walk between parked cars and storefronts
- Construction and lane changes that can reduce sight lines
In these settings, insurers often argue that the crash was “unavoidable” or that the pedestrian contributed by stepping into traffic unexpectedly. In practice, these disputes come down to what the scene shows: lighting, crosswalk visibility, vehicle approach angle, and witness statements.


