Does Car Insurance Cover Pedestrian Accident Injuries?

Understanding how expenses are covered after a pedestrian accident can be confusing. Drivers are involved in these types of accidents, so it seems plausible that car insurance would cover the damages. However, because these accidents are not technically “car accidents,” injured pedestrians often wonder if they will need to find another way to recover compensation.

In California, car accident claims rely on fault-based principles. Therefore, when a person is injured in a car accident, they can file a claim with the responsible driver’s insurance company to recover compensation. This generally applies to pedestrian accidents too. Although pedestrians are not driving when they are injured, they are still a party that was injured because of the insurance policyholder’s negligence and therefore should be covered by their car insurance plan.

Coverage from the Driver’s Car Insurance Provider

It is most likely that compensation for pedestrian accident damages will be provided by the driver’s car insurance company. Similar to a car accident claim, a pedestrian must file a claim with the at-fault driver’s insurance provider to receive coverage for their medical expenses and other damages.

Coverage from Your Car Insurance Provider

It’s possible that your own car insurance company may provide coverage after a pedestrian accident. Although you weren’t driving your car, coverage for pedestrian accidents may be included in your policy.

Other Methods of Recovering Compensation After a Pedestrian Accident

It’s possible that recovering compensation through a car insurance policy may not be possible for you. Perhaps the pedestrian accident was a hit and run, and there is no at-fault party available to file a claim with. Maybe you do not have car insurance, and therefore cannot file a claim with your own provider.

There are other channels through which you can receive compensation in situations such as these. Your health insurance provider may be able to cover your medical bills. To recover additional compensation, you could potentially file a claim against a third party who is partially at fault for your injuries.

The attorneys of Tedford & Associates can help if you or a loved one was injured in a pedestrian accident. We are available to discuss the details of your case to determine who is liable for your injuries and how you can recover compensation. We will fight to get you the care you need!

To schedule a free consultation with our lawyers, complete our contact form or call (626) 325-0142.


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