What Insurance Covers Pedestrians Hit By A Car?

Drivers have a duty to conduct themselves with care. When they don’t, they run the risk of being involved in serious accidents. If a pedestrian is injured during a car crash, they’re likely to experience major injuries that might even have long-term effects. In this case, the pedestrian will have a few different options when it comes to their insurance coverage. 

Personal Health Insurance

Personal health insurance covers many types of injuries and illness, including those incurred during a car accident. In this case, you will provide your insurance card to the hospital or clinic providing care. The medical facility would then bill your insurer, who will provide funds based on the limits of your policy. Emergency treatments are usually covered by insurers. However, physical therapy and rehab may incur out of pocket costs depending on your policy. 

The Other Driver’s Insurance

In cases involving negligent driving behaviors, you may need to pursue coverage through the other driver’s insurance company. For example, if the motorist was driving carelessly when you were struck or was found to be under the influence of drugs or alcohol, they will be help accountable for any injury or property damage that results from the incident. While all drivers are obligated to carry liability insurance just to get behind the wheel, not all motorists are compliant. Additionally, if the cost for treating your injuries exceeds the person’s insurance limit, you may need to make up the difference. 

If you were injured in a car accident where fault is disputed, you will need to file a lawsuit against the responsible party. That’s where our team of experienced injury attorneys come in. For more than three decades, Martinez, Hart, Sanchez & Romero, P.C. have supported clients in their pursuit for justice. We’re well-versed in many types of auto accidents, including those involving pedestrians. We also make it a point to treat every client with the compassion and dignity they deserve. 

If you’d like to discuss a legal issue with us, please call 505-343-1776 today. You can also learn more about our firm and what we do by contacting us