When you think of uninsured motorist (UM) or underinsured motorist (UIM) coverage, it’s natural to assume that these protections only apply when you’re in a car. However, that’s not the case. If you’re a pedestrian and are hit by a vehicle, you can still use your UM/UIM coverage, and in some cases, even the policy of a resident relative, to help cover your medical expenses, lost wages, and more. At Injury Enterprise LLC, we understand the importance of knowing your insurance rights and how to use them in these situations.
Understanding UM/UIM Coverage for Pedestrians
UM/UIM coverage is an addition to your auto insurance policy designed to protect you when the driver responsible for your injuries either has no insurance or lacks sufficient coverage. But did you know that it extends beyond vehicle-related accidents? If you’re a pedestrian and get hit by a car, your UM/UIM coverage can step in to cover your expenses, regardless of whether you were inside a vehicle at the time of the accident.
Here’s how it works:
- Uninsured Motorist (UM) Coverage: If the driver who hits you doesn’t have any insurance, your UM coverage will help pay for your medical bills, rehabilitation costs, lost wages, and even pain and suffering.
- Underinsured Motorist (UIM) Coverage: If the at-fault driver’s liability insurance isn’t enough to cover the full extent of your damages, your UIM coverage will bridge the gap, ensuring that you aren’t left with significant out-of-pocket costs.
How Resident Relative Coverage Can Help Pedestrians
In addition to using your own UM/UIM coverage, you may also be able to tap into resident relative coverage if you live with a family member (related by blood or marriage) who has auto insurance. This type of coverage allows you to use a relative’s UM/UIM policy, even if you are not specifically named on their insurance, as long as you share the same household.
For example, if you’re hit by a car while walking and the driver doesn’t have sufficient insurance, and you live with a relative who has a strong UM/UIM policy, you can make a claim under their policy to help cover your expenses. This provides an additional layer of protection, especially in situations where your own coverage might be limited.
Why This Coverage is Important for Pedestrians
- Higher Risk of Severe Injury: Pedestrians hit by cars often suffer severe injuries, from broken bones to traumatic brain injuries. The costs associated with these injuries can quickly add up, often exceeding the at-fault driver’s insurance limits. Having access to UM/UIM coverage (either through your own policy or a resident relative’s) can make a critical difference in covering those costs.
- Unpredictable Coverage from Drivers: In many states, including Georgia, a significant percentage of drivers either have no insurance or only carry the state-required minimum, which is often insufficient in serious accidents. Relying on UM/UIM coverage ensures that you’re not left financially vulnerable when the other driver’s coverage falls short.
- Flexibility of Coverage: Whether you are walking, cycling, or even sitting outside, UM/UIM coverage can still apply. This means you’re covered for injuries even if you are not operating or riding in a vehicle when the accident occurs.
Steps to Take If You Are a Pedestrian Hit by a Car
- Seek Medical Attention Immediately: Your health is the top priority. Even if you don’t feel severely injured at the scene, some injuries (like concussions or internal damage) can become apparent later.
- File a Police Report: Documenting the accident is crucial for any insurance claim. Make sure all parties’ information is collected, including the at-fault driver’s insurance details.
- Contact Your Insurance Provider: Inform your insurance company about the accident and explore your UM/UIM coverage options. They will guide you through the claims process.
- Consider Using Resident Relative Coverage: If your UM/UIM coverage is insufficient, consider filing a claim under a resident relative’s policy. This can provide an additional safety net for your medical and financial recovery.
If you’re a pedestrian hit by a car, your options for financial recovery go beyond the at-fault driver’s insurance. Both UM/UIM coverage and resident relative policies offer important protection, ensuring you are financially supported during your recovery process. Review your insurance policies and consult with an experienced personal injury professional to understand how best to use these coverages in your situation.
If you have questions about UM/UIM coverage or need help navigating your claim, contact us today for expert advice and support.