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A bicycle crash can leave a rider with far more than a bent wheel and a hospital bill. The real trouble often begins after the emergency room visit, when the insurance claim that should help stabilize life turns into a second fight. Adjusters stop returning calls. Liability becomes "unclear" even when a driver turned across a bike lane. Medical records are requested again and again. A reasonable settlement offer never arrives. In some cases, the problem is no

A bicycle crash can split life into a before and after. One second you are riding through City Park, crossing an intersection in Capitol Hill, or heading home on a bike lane downtown. The next, you are on the pavement with a fractured wrist, a shattered collarbone, or a tibia that now requires plates and screws. In the most serious cases, the injury is not just a fracture. It is an operation, a hospital stay, a second procedure to remove hardware or