Des Moines traffic patterns create specific risk situations:
- Frequent turning and merging near arterial intersections where drivers are entering or leaving lanes quickly.
- Heavy seasonal and event congestion that increases driver distraction and limits sightlines.
- Work zones and temporary lane shifts, where signage and lighting may be less consistent.
- Rain, low visibility, and glare that make it harder to stop in time—especially at dusk.
Even when a driver “seems obviously wrong,” insurers may still dispute timing, visibility, crosswalk use, or whether you were in a place the driver should have anticipated a pedestrian.


