Pedestrians are road users who are on foot. They could be people walking along the sidewalks or they could be crossing the road at the time of an accident. When pedestrians are involved in an accident, it can often be difficult to understand how they can recover insurance compensation to help pay for medical expenses and out-of-work compensation. Read further to understand the options that are open to a pedestrian involved in a road accident.
Own Medical Insurance
If a pedestrian is injured in a road accident, the first place to turn to is their own medical insurance to help cover for the immediate medical needs. If you are the pedestrian who has been injured in such an accident, your insurance company will pay for the medical bills and then seek to recover those costs from the parties that were at fault.
Employer’s Insurance
In the event that the pedestrian was at work during the time of the accident, then the employer’s insurance provider might be liable to pay for medical expenses and other related costs. This may be in addition to whatever other compensation that the pedestrian may be eligible for.
Car Owner’s Insurance
If the car is involved in the accident as at fault, then the injured pedestrian has the right to seek compensation from the auto owner’s insurance. This is especially in cases where injuries are extensive and may require long term care. The victim, (or family members in cases where the victim is deceased) can sue the insurance company through a legal process than can involve litigation or more commonly, negotiation. It is uncommon to find auto owners who have no form of insurance as many states require auto owners to carry insurance that protects third-parties. However, in instances where the auto owner is uninsured or underinsured, then there is a danger that the pedestrian in question might either not be compensated. In cases of under insurance, they will be compensated up to the maximum amount held by the motorist.
When the Pedestrian is at Fault
In cases where the pedestrian contributed to the accident or caused it, different states have different ways of approaching such cases. In no-fault states, a pedestrian may still be eligible for some form of compensation. This compensation can come from his/her insurance coverage or that of the motorist involved. In cases where the pedestrian is fully at fault, the driver’s insurance company is not required to pay anything and compensation will depend on the pedestrian’s ‘at fault’ risk policy limits. Having an experienced lawyer by your side can make all the difference in such a case. As is evident, there are numerous loopholes that insurance companies can use to avoid compensating you for loss and injury. For this reason, getting an experienced lawyer to guide you through this process is vital.
Choose Corradino & Papa, LLC For Pedestrian Accident Injury Claims
If you have been involved in a pedestrian accident and need legal help, you can count on expert representation from Corradino and Papa, LLC. Contact us today for a free consultation.
Disclaimer: Results may vary depending on your particular facts and legal circumstances.