Many local crashes happen in predictable patterns:
- Downtown & UVA-area stops: congestion, frequent braking, sudden lane changes, and rides that pick up or drop off in busy zones.
- Nightlife and event traffic: impaired driving risk, distracted driving, and higher odds of conflicting witness statements.
- Route changes and merges: rides rerouted through construction or heavier-than-normal commuter traffic, which can blur the exact sequence of events.
Those details matter because they affect fault and coverage. Even when the police report suggests one driver was responsible, insurers may still argue about causation, severity of injuries, or whether rideshare coverage applies at the time of the collision.


