Insurance does cover accidents involving pedestrians. The main parts of an auto policy that involve these types of incidents are bodily injury liability and personal injury protection. Learn more about the mandatory limits of this coverage from our pedestrian accident attorneys.
Pennsylvania law requires all motorists to maintain vehicle bodily injury liability insurance in the amount of $15,000 per person and $30,000 per accident. This mandatory coverage covers a pedestrian’s medical bills — but only when the driver is found to be at fault. This insurance would also pay for the driver’s legal expenses if the victim decided to sue.
Personal injury protection also falls under mandatory state insurance requirements. Drivers must have an auto policy with at least $5,000 in coverage per person. This policy may also pay the driver’s accident-related medical expenses, even if they caused the crash, because Pennsylvania is a no-fault state.
While property damage liability insurance applies to vehicle repairs in most auto accidents, this coverage could also come in handy for pedestrians. For example, if you are struck on a sidewalk, and your new laptop was damaged in the accident, you could present the insurance company with a claim — up to the state’s required amount of $5,000 per accident.
Uninsured/underinsured motorist coverage could be a good thing when you are involved in a pedestrian accident. If you get hit by a car and the negligent driver does not have insurance or enough coverage to pay for all of your damages, your own auto policy could cover your medical bills, lost income, and other expenses. In Pennsylvania, drivers are required to have $15,000 per person and $30,000 per accident of this coverage.
Having a Soloff & Zervanos, P.C. attorney could help you recover damages when you were injured by a motorist. Learn more about how we could help you file a claim for the compensation you deserve. Contact us 24 hours a day and schedule your no-obligation consultation.
