Two riders can be hurt in similar-looking crashes and still end up with very different settlement outcomes. In New Orleans, that difference is often driven by details like:
- Lighting and visibility issues at night (popular for bar districts and weekend traffic)
- Lane changes, left turns, and sudden stops in dense corridors where motorcycles weave through gaps
- Road work and detours that alter lanes, signage, and traffic flow
- Comparative fault arguments—insurers may claim the rider was speeding, not keeping a proper lookout, or lane-splitting too aggressively (even when the other driver’s conduct was a major cause)
- Tourist and event-related congestion, where drivers may be distracted, unfamiliar with routes, or driving faster/closer than is reasonable
A calculator that averages outcomes across many cases may not reflect how these local factors play out in negotiations.


