In a smaller community like Columbia, people may know the intersection, the walking route, or the location of a common crossing. But when an insurance adjuster reviews the claim, they may still argue about what happened—especially when:
- Lighting was poor (evenings, shaded areas, winter glare)
- Weather affected visibility (rain/snow/ice)
- The pedestrian was near a curb line or driveway rather than at a clearly marked crosswalk
- Drivers claim they “couldn’t see” you in time, or that you moved into traffic unexpectedly
After a hit, your memory can be accurate but incomplete. The insurer’s job is to find gaps; your job is to avoid creating them. That’s where early legal help can make a real difference.


