Drive long enough and you’ll eventually encounter a situation in which you nearly strike a pedestrian. If you are unlucky, you might hit that unfortunate individual.

What happens next? Will auto insurance through Hamilton Fox & Company Inc cover your collision with a pedestrian?  Our Pinecrest, Fl insurance professionals are here to help you make sense of car insurance in such situations.

Collisions With Pedestrians

If you strike a pedestrian with your automobile, your insurance will likely cover the incident. Even if the person on foot is partially responsible for the collision, your insurance will likely apply.

Auto insurance’s personal injury protection is applicable to crashes with pedestrians, regardless of which party is primarily at fault. Walkers who suffer significant injuries might be eligible to claim even more compensation through the insured driver’s liability coverage.

What if the Pedestrian is Insured?

If you strike a pedestrian who is also insured with auto insurance, that individual’s underinsured motorist coverage or uninsured motorist coverage might be applicable. However, such application is only meaningful if the driver’s auto insurance has lapsed, is non-existent or otherwise unavailable.

Ask for Clarity From Your Auto Insurer

If you have heard that pedestrians are not eligible for benefits through insurance after an accident, take pause. Coverage is typically applicable whether one is crossing the street, walking in a parking lot or jogging. 

In most such instances, the injured pedestrian’s initial resource for coverage is the protection available through the driver’s personal injury overage.

Such coverage is typically applicable to pedestrians, car passengers and drivers. However, there is also the potential that the pedestrian’s coverage will also apply.

Hamilton Fox & Company Inc. is a Call Away

Are you looking for auto insurance? If you live in the greater Pinecrest, FL area, give us a call today at 800-263-1947. We’ll personalize a quote for your automotive needs.