When you are injured in an accident and another party was negligent, you will typically be able to file for compensation. However, what happens if you were an unfortunate pedestrian who was hit by a negligent driver? What compensation can you receive for your injuries? There are many different situations that you may experience when you are involved in a pedestrian-driver incident.
However, you may run into issues depending on the situation. For instance, did the driver stop at the scene? The driver of the involved vehicle has a legal obligation of stopping when they have caused injury to a pedestrian. However, on some occasions, you may unfortunately run into a hit-and-run situation. This could narrow options significantly for the pedestrian. There are certain steps to take such as reporting the accident to the police for investigation purposes, getting names and addresses of witnesses, and considering what must be done for medical treatment. Hopefully, if you have been involved in a hit-and-run, you have your own medical coverage because your personal insurance will have to cover it.
What Types of Insurance May Come Into Play?
Auto insurance is one of the main ways that pedestrians receive compensation for recovery after they have been involved in an accident. This is because drivers are required to carry some type of insurance if they are using the roads, in practically every single state. Many states may offer uninsured motorist coverage, which covers those who are involved in an accident with someone who has little or no insurance. There are also things known as “no fault laws” where insurance is required to pay the plaintiff’s claim and no lawsuit against the defendant is allowed. Medical insurance may come into play as well. A pedestrian’s medical insurance company may be responsible to collect reimbursement for the pedestrian’s medical expenses. Workers’ compensation may be a requirement to pay for some bills as well.
There is also another catch – if the pedestrian had automotive insurance, there is a chance that their car insurance will pay the bills as well! This is true for many states. The insurance will typically be required to cover the costs regardless of the driver’s coverage up to a certain limit. But what happens if the pedestrian has no insurance and the driver doesn’t either? This means they will be out of luck and will find other means for compensation.
What Steps Should be Taken?
First, you need to ask yourself, how badly was I injured and what do I think I am able to receive? Being able to look at your injuries and treatment and assess that the other driver was at fault will make it easier to pursue a claim with the driver’s car insurance carrier. Third party claims are exactly the step you should take when you are attempting to get compensation for your losses. Through these, you will be able to cover medical bills, lost income, and general damages. You may expect back-and-forth negotiations as well as the possibility of court, but do not fret. Making your case is what matters.
If you have been injured as a pedestrian in a vehicular accident, you may be able to receive rightful compensation. But where do you turn? You can call Welebir | Tierney to get the legal representation that you deserve. Call today to find out more about your possible claim.
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