Insurers frequently open a bicycle file assuming the rider was where they should not have been. Lane position, door zone collisions, right hook and left cross turns, and driver inattention are the actual recurring causes.
Call 713-521-0059.
It does not end the claim. Texas assigns responsibility by percentage, and a claimant can recover so long as the claimant is not more than 50 percent responsible. Helmet use is also not relevant to how the collision happened, only potentially to certain injuries, and it is frequently argued far beyond what the evidence supports.
Do not repair or discard the bicycle, the helmet or the clothing. Damage patterns establish impact direction and speed. Photograph the scene, the sight lines and any obstruction, and look for camera coverage the same week.
A Texas personal injury claim generally must be filed within two years of the injury under Section 16.003 of the Civil Practice and Remedies Code. Call 713-521-0059.