Some accidents look straightforward until you add local details. In Annapolis, disputes often come down to timing and context:
- Downtown traffic and right-of-way: turns, merge lanes, and last-second braking can become “he said / she said” issues.
- Pedestrian and crosswalk risk: visitors and residents alike are often walking near busy corridors, where visibility and speed matter.
- Weekend and event surges: after events, rideshare pickups and drop-offs increase, and traffic patterns change quickly.
- Construction and changing road layouts: detours and narrowed lanes can affect how insurers describe “reasonable driving.”
In these situations, the insurer’s version of events can shift depending on who they believe was responsible and what documents they can obtain.


