Pedestrian Accident Insurance: Understanding Your Coverage

Hello! I understand that you may be in a difficult situation after being involved in an accident as a pedestrian. Here is some information that may help you understand your insurance coverage.

Damage to Your Personal Health Insurance or Third Party Motor Insurance

When you are hit as a pedestrian, you have several options for coverage:

File a claim with your health insurance: This would typically cover your medical expenses regardless of who is at fault. Third party motor insurance: The owner of the vehicle that caused the accident may be required to cover your medical expenses through their insurance. Personal Auto Insurance: Depending on the policy, you may be covered by your own personal auto insurance, specifically MedPay or Personal Injury Protection (PIP) coverage.

Discussion with Your Insurer

We strongly recommend that you discuss your situation with your insurer for further assistance and clarity. Insurance policies can be complex, and it's important to understand exactly what your coverage entails.

State-Specific Considerations

Your specific state or province's laws and insurance policies may impact your coverage. For example, in Washington, personal injury protection (PIP) coverage can cover your medical expenses, while the state's uninsured/underinsured motorist coverage may also apply. In Ontario, Canada, there is no-fault insurance where you deal with your own insurance company for all claims.

Common Insurance Coverage for Pedestrians

MedPay or Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist coverage may apply if you are injured by a vehicle while you are a pedestrian. These policies provide additional protection beyond liability insurance, which primarily covers others.

When Does Your Coverage Apply?

Your insurance may apply based on who is at fault and the amount of liability coverage provided by the other party. If the driver who hit you has liability insurance but it is insufficient, your uninsured/underinsured coverage may kick in. If you have medical payments coverage on your personal auto policy, that would also apply.

Legal Considerations and Personal Wealth

It's important to note that insurance coverage has its limits. If you wish to pursue a lawsuit, the amount the insurance company is willing to pay may not be sufficient for your injuries. In such a case, if the at-fault party has any personal wealth, you may be able to sue for additional compensation.

Best Practices

Always be vigilant when crossing the street. Pay attention to your surroundings, follow traffic rules, and use crosswalks or pedestrian crossings when possible. Safety is the best defense against accidents.

Disclaimer: This information is general and is meant to provide guidance. It is suggested to consult with an insurance professional or attorney for specific advice related to your situation.