Many insurance companies and drivers will try to point the finger at the cyclist. Rider error is frequently cited as a contributing factor in an accident, even though injuries suffered by a cyclist are normally far greater than the driver.
Product failure is another defense for insurance companies and drivers. Poor design, faulty components or improper manufacturing techniques are defects that insurance companies might claim as a contributing factor. An expert examination may be needed to prove whether the product was the cause of the accident.
For motorist faults, driver negligence is often cited as the main reason. Inattentiveness, unsafe turns and failure to yield the right of way are major factors in an accident. Police reports and investigations will help determine how and why the driver was at fault.