The speed at the time the GPS came off of the bike it recorded 43mph and I think that is about correct. The corner is posted at 35mph and the approach path was textbook according the book "Total Control by Lee Parks" and to my memory :mellow: .
Nothing wrong with that, except Lee made his fame riding on the track, where there's no gravel. I've read the book and I've taken his clinic. Great stuff, but in the real world, "textbook" sometimes bites you, as you've seen firsthand, and the insurance investigator took another bite.
I attended a local Police PR day a while back, put on for slow-speed skills improvement. The training officer said their officers only get one of two possible findings when they're involved in a crash: "At fault" or "Avoidable". Kinda harsh, but it's their policy, not mine. Probably very similar attitude with insurance companies and single-vehicle accidents.
I tend to try to ride in the car "wheel tracks" as they are generally more clear of gravel.
This type of get-off is one of the main reasons I don't apex corners on the street. Any gravel (or other slippery crap) on the road surface will get cleaned off first in the places where the car tires travel, and moved to the places where they don't.
I guess maybe the takeaway is to ride the outside wheel track in your lane all the way through the corner in questionable road surfaces (possible loose stuff) rather than late apexing and crossing the center of the travel lane on a lean.
I preach staying in the right-side tire track, which gives away several feet of your lane (AKA: Big safety margin) to oncoming lane violators. The original topic is available for reading in the "Stay Right-Stay Alive" link in my sig.
Apologies to those who've endured this sermon previously....