If you’ve been the victim of a pedestrian accident, you might wonder how best to proceed with a personal injury claim. Which insurance policy, if any, will cover you, considering that you were not behind the wheel of a motor vehicle?
Below are some options you have to cover yourself and your medical expenses.
Auto liability insurance
Even though you weren’t driving, you can still benefit from auto insurance coverage. You can file a claim against the driver’s (or vehicle owner’s) liability policy. Vehicle owners and drivers are required to carry a minimum amount of liability insurance to cover any personal injuries or damage to other parties and their property. The amount of money one can recover in such a case depends on who was at fault in the accident.
In no-fault states, insurance companies must pay for the medical expenses and lost wages of their own customers, no matter who was at fault for the accident. This occurs through personal injury protection (PIP) coverage.
The rules regarding how this coverage happens can vary from state to state. In many cases, the driver’s insurance company pays the pedestrian’s medical expenses up to the PIP limit, even if the pedestrian was at fault, without exception.
Your best strategy is to seek the advice of your attorney about how you can be compensated, and whether you have any recourse to file a claim against one of the driver’s insurance policies.
For further guidance when it comes to determining liability for a pedestrian accident and seeking compensation for your injuries, contact a skilled Bradenton personal injury attorney with Shapiro, Goldman, Babboni, Fernandez & Walsh.