Have You Been Injured as a Pedestrian?

Pedestrians are often the most vulnerable out of everyone near roadways. Many pedestrians get killed due to their own negligence or the negligence of a driver. Usually, injuries suffered by pedestrians are serious, and in the worse cases, even fatal. Anyone who suffers injury due to the negligence of another person is entitled by law to receive compensation for injuries and material damage.

The health of pedestrians is normally covered by insurance policies that also cover potential accident-related injuries. Accidents that happen during an individual's work are normally covered by workers' compensation. It may also be possible for them to have at least one auto insurance policy.

Auto Liability Insurance Reimbursements

A claim may be filed by a pedestrian, who suffered injuries from an automobile accident, against the auto liability insurance policy of either the driver or owner of the vehicle. Owners of vehicles or drivers are required to have a liability insurance policy by nearly every state. The insurance policy will handle third party injuries or damage to the property of a third party. The person liable for the accident will determine the recovery along with the rules of each individual state.

No-Fault Coverage Reimbursements

Insurance companies are mandated by a number of "no-fault states" to reimburse medical costs along with the lost wages of their policy holders, without taking into consideration the person at fault. This policy is also called personal injury protection or PIP.

The laws of each individual no-fault sate are different in connection to the compensation offered to pedestrians injured in accidents. A number of these states require the insurance company of the driver to pay for the medical expenses of the pedestrian up to the limit of the PIP, even though the pedestrian may have caused the accident. However, the payment scheme does have some exceptions. For instance, pedestrians who have no insurance may receive payments from the Unsatisfied Claim and Judgment Fund, a special fund mandated by some states.

Speak with a Car Accident Attorney

Laws on automobile insurance policies are different from one state to another. Each policy has its own restrictions and exceptions. Aside from this, the type of insurance policy used may determine recovery, along with the decision of the judge in a particular state.

To ensure your claim is protected, it is highly advisable to consult an experienced attorney specializing in car accident claims. Your attorney can help you understand your legal rights as an injured pedestrian and assist you getting the compensation you deserve.

If you or someone close to you has been injured in an automobile accident in St. Louis, contact an expereinced St. Louis car accident attorney at The Hoffmann Law Firm, L.L.C. right away. Call (314) 361-4242 for a free consultation!