What To Know As A Victim Of A Pedestrian Car Accident
Were you recently in an accident where you were hit by a vehicle as a pedestrian? If so, you may have questions about being compensated for the damages that you suffered. Here are some key things to know about this unique type of accident.
Who's Injury Coverage Is Used?
It is easy to be confused about whose injury coverage you use when you are hit by a vehicle. Rather than using your own health insurance, in the end, you will ultimately be using the responsible driver's car insurance. The driver of the vehicle should be carrying liability insurance that covers your injuries, even though you were not driving a car at the time.
How Do You Deal With The Initial Medical Bills?
The easiest way to pay for your initial medical bills is by submitting the bill to the responsible driver's insurance provider. However, there may be a limit to the liability insurance that you reach from a very big accident. Then you would use your personal health insurance. Depending on your deductibles, it may make more sense to actually use your own auto insurance. If you have underinsured and uninsured motorist coverage, you can actually pay your auto insurance deductible and use the insurance you have purchased through that provider.
What If The Accident Is A Hit And Run?
While it is ideal to use the responsible driver's auto insurance, that may not be possible if it is a hit and run and you didn't track down the driver. In this situation, you can also use your underinsured and uninsured motorist coverage. You'd pay your auto insurance deductible and be able to utilize that coverage to pay for medical bills.
What Damages Can You Recover From A Pedestrian Accident
Don't assume that you'll only receive money to cover your medical bills in a pedestrian accident. You can also receive compensation for lost wages due to missing work during your recovery. Even if you are a salaried employee and used sick days, you can get the value of those sick days because you used them due to the accident.
In addition, it is possible to receive money for mileage in order to get to your doctor's appointments, time off to attend those appointments, and durable medical goods related to your injury. You can even seek compensation for future medical bills that are estimated when you try to settle the accident case outside of court.
For more information, reach out to a pedestrian accident lawyer near you.