If you are a victim of a pedestrian accident, you may wonder who will pay for your medical costs and other damages. As with a car accident, the vehicle involved is typically responsible.
The Department of Financial Services explains the no-fault laws in the state protect you just as they protect drivers, but in this case, they guarantee you coverage under the insurance of the vehicle involved in your accident.
You can collect damages from the other person’s insurance for your medical expenses related to injuries from the accident. You also may be able to get paid for lost wages and other expenses occurring as a result of the incident.
The no-fault law allows for everyone in an accident to seek insurance assistance right away after an accident. It also compels insurers to pay fairly. Keep in mind, though, personal injury protection will only cover up to $50,000. This includes payment for all other injuries and damages in the accident.
You can bring a legal case against the other party if your damages exceed the policy limits or if you have other claims, such as pain and suffering, not covered under the insurance policy.
If the incident is a hit and run or the driver does not have insurance, then your personal PIP insurance will pay for your damages. You will make a claim the same way as you would if you were driving at the time of the accident.
If you are a pedestrian injured in an accident and you do not have your own PIP, which could very well happen if you do not drive, then there is the Motor Vehicle Accident Indemnification Corporation option. You can submit a claim to request benefits.
Pedestrians have various options for compensation in an accident with a motor vehicle. You should begin making claims as soon as possible to avoid delays or limitation issues.