Drivers of any vehicle are legally mandated to share the road with pedestrians.
How Insurance Works in Pedestrian Accident Cases
Understanding the insurance process is crucial when a pedestrian is involved in a motor vehicle accident. In most cases, the driver’s auto liability insurance is the primary source of compensation for the injured pedestrian. If you have health insurance, it may cover immediate medical expenses.
Uninsured/Underinsured Motorist (UM/UIM) coverage from the pedestrian’s auto policy might also apply if the at-fault driver has insufficient or no insurance. If the accident involved a commercial vehicle (e.g., a delivery truck or taxi), the company’s commercial liability policy would typically be responsible for payment.




