Does Insurance Cover Being Hit By a Car?

It can be dangerous walking down the street, especially in high traffic areas with little to no pedestrian walking space. If you were a pedestrian hit by a car and you were injured, insurance should cover your medical expenses in one way or another.

1. Your Own Auto Insurance

If you also drive when you are not walking and you have car insurance, your car insurance may cover your medical care. Each policy is different, so be sure to check with our agent, but some policies include coverage for medical expenses if you were in an accident.

2. Your Own Health Insurance

This is probably the first place you will look to help pay your medical bills. If you are injured in an accident, your medical providers will submit your bills to your health insurance company just like they do for any other ailment. If the treatment and procedures you receive are covered under your plan, you can treat this visit to the doctor just like you would any other. However, if you think you were not at fault for the accident, you can notify your health insurance that you may be pursuing a personal injury claim. Your health insurance company will still cover your treatment, but they will want to be informed about what is happening in the case.

3. The other party’s auto insurance.

As a driver, you are responsible for the damages if you hurt another person or their property, and the accident was your fault. If you are a pedestrian who has been injured in an auto-pedestrian accident you may be entitled to compensation for your medical expenses, property damage, lost wages, and pain and suffering.
However, it is important to determine who was at fault for the accident. There is no hard and fast rule that states that drivers are always at fault for auto-pedestrian accidents. If you were walking in traffic or crossed the road without looking, you may not be entitled to damages.

The opinion of an experienced attorney can help you determine who was at fault for the accident. Attorneys at the Advocates are available 24-7 for a free consultation.