Does Liability Insurance Cover Hitting a Pedestrian with a Car?

Yes, if you hit a pedestrian with your car, your liability insurance can provide protection. Liability insurance is designed to cover damages and potential liabilities resulting from your actions when you cause harm to others, including pedestrians. Understanding the specific coverage provided by your insurance policy is crucial to knowing what is and is not covered in such situations.

What Kind of Liability Insurance Are You Asking About?

The answer to whether liability insurance covers hitting a pedestrian can vary depending on the type of policy you have. Generally, two types of policy terms are relevant here: auto liability insurance and general liability insurance.

1. Auto Liability Insurance

If you are specifically asking about automobile liability insurance, the answer is unequivocally yes. Auto liability insurance is intended to protect you from financial losses if you cause an accident involving another person, including a pedestrian. Your policy document will provide detailed information on what is covered and what is not, so it's essential to read through it thoroughly.

2. General Liability Insurance

For those who have auto liability insurance concerns, the answer is generally the same. However, if you are referring to a general liability insurance policy, which is often used by businesses for accidents that occur in their premises or any activities they conduct, you should carefully review the policy to determine if it includes coverage for automobile accidents involving pedestrians. Auto liability can sometimes be excluded in general liability policies, so it's crucial to check the fine print.

The Scope of Coverage

Hitting a pedestrian can result in significant costs for medical treatment, potential legal actions, loss of income, and pain and suffering. To ensure comprehensive protection, many people opt for the highest available limits and even add an umbrella policy to their coverage. An umbrella policy provides additional liability coverage beyond the limits of your primary policy.

When you hit a pedestrian, your insurance company will manage claims related to medical expenses, any property damage, and sometimes even cover legal fees. The insurance company will pay claims for which you are legally liable up to the policy limit per accident.

Conclusion

In summary, liability insurance does cover hitting a pedestrian with a car. However, to fully understand your coverage, it's crucial to read your policy thoroughly and potentially seek advice from a professional insurance representative. Understanding what is covered and what is not can help you make informed decisions about your insurance needs and protect yourself financially in the event of an accident.

For more information on liability insurance, auto insurance, and pedestrian accidents, consult with your insurance provider or a legal advisor to ensure you have the right coverage to protect you and those around you.