Many pedestrian crashes locally involve predictable risk moments:
- Turning vehicles at intersections where drivers are focused on cross-traffic and may not see a pedestrian in time.
- Crossing near retail/commuter routes, where foot traffic can be heavier than drivers expect.
- Weather and visibility issues—rain, snow, glare, and darker winter evenings can reduce stopping distance.
- Construction or lane changes that alter sightlines and force pedestrians to navigate around temporary conditions.
In these situations, the “story” insurers tell can shift quickly. Your job early is not to debate fault—it’s to preserve facts.


