Will Insurance Cover Me in Pedestrian Accidents?

In Los Angeles, pedestrian accidents can result in significant injuries and damages. If you have been involved in a pedestrian accident, you may be wondering if your insurance coverage will protect you. Insurance coverage for pedestrian accidents in LA can vary depending on the specific circumstances and insurance policies involved. 

Understanding your insurance coverage is crucial for seeking compensation and addressing your medical expenses, lost wages, and other damages.

How Much Can I Recover from the Driver Who Hit Me?

The amount you can recover from the driver who hit you in a pedestrian accident in Los Angeles depends on various factors, including the extent of your injuries, the impact on your daily life, and the driver’s level of fault or negligence. It is important to note that each case is unique, and the specific circumstances will play a significant role in determining the potential compensation.

Here are some types of damages that you may be eligible to recover in a pedestrian accident case:

  • Medical Bills: You may be able to recover compensation for all past and future medical expenses related to your injuries. This can include hospital bills, surgeries, medications, rehabilitation, and any necessary ongoing medical treatment.
  • Lost Income: If your injuries caused you to miss out on work or resulted in a decline in your earning capacity, you may be entitled to compensation for lost wages. This can include both past and future lost income.
  • Pain and Suffering: Pedestrian accidents can cause physical pain, reduced quality, and emotional distress in life. Compensation for pain and suffering aims to address these non-economic damages and can vary based on the severity of your injuries and their long-term effects on your daily life.
  • Rehabilitation and Therapy: If you require ongoing rehabilitation or therapy to recover from your injuries or regain functionality, the cost of these treatments may be included in your compensation.
  • Property Damage: If any personal belongings, such as clothing or electronic devices, were damaged in the accident, you may be eligible to recover the cost of repairing or replacing them.
  • Punitive Damages: In certain cases where the driver’s behavior was particularly careless or intentional, punitive damages may be implied to punish the driver and deter similar conduct in the future. However, punitive damages are relatively rare and are typically only awarded in extreme cases.
Motorcycle Insurance
Motorcycle Insurance

To determine the specific amount of compensation you may be entitled to, it is crucial to consult with an experienced personal injury attorney. They will assess the details of your case, evaluate the extent of your damages, and calculate a fair and reasonable value for your claim. They will also negotiate with the insurance company or represent you in court to seek the maximum compensation possible.

It’s important to remember that the legal process can take time, and the outcome may vary based on the unique circumstances of your case. Consulting with a knowledgeable attorney will ensure that your rights are protected and you have the best chance of receiving the compensation you deserve.

What Other Options Do I Have to Recover Compensation?

In addition to seeking compensation from the driver who hit you in a pedestrian accident, there may be other options available to recover compensation in Los Angeles. Here are a few potential avenues to explore:

  • Personal Injury Protection (PIP) Insurance: If you have PIP coverage as part of your auto insurance policy, it may provide coverage for your medical bills and lost income, regardless of who was at fault for the accident. PIP benefits can help you recover compensation more quickly and without the need for a lengthy legal process.
  • Uninsured/Underinsured Motorist Coverage: If the driver who hit you does not have insurance or has inadequate coverage, you may be able to make a claim under your own uninsured/underinsured motorist (UM/UIM) coverage. This type of coverage is designed to protect you in situations where the at-fault driver lacks sufficient insurance coverage.
  • Government Liability Claims: If your accident involved a government-owned vehicle or a hazardous condition on a public road, you may be able to file a claim against the government entity responsible for maintaining the roadways. However, filing a claim against a government entity typically involves specific procedures and deadlines, so it’s important to consult with an attorney experienced in government liability cases.
  • Product Liability Claims: In some cases, pedestrian accidents may be caused by a defective product, such as a faulty vehicle part or a defective crosswalk signal. If a defective product contributed to your accident, you may be able to file a product liability claim against the manufacturer or other parties in the supply chain.
  • Third-Party Liability Claims: Depending on the circumstances of your accident, there may be other parties besides the driver who can be held liable for your injuries. For example, if the driver was working at the time of the accident, their employer may share some responsibility. Identifying additional liable parties can help you maximize your compensation.

Should I Contact the Driver’s Car Insurance Company Myself?

If you have been involved in a pedestrian accident in LA, it is generally recommended to consult with a personal injury attorney before contacting the driver’s car insurance company yourself. Here’s why:

  • Protection of Your Rights: Insurance companies are primarily concerned with minimizing their financial liability. When you contact them directly, you may inadvertently say or do something that could harm your claim or compromise your rights. An attorney can guide you on what to say and ensure that your rights are protected throughout the claims process.
  • Maximizing Compensation: Insurance companies may try to settle the claim for the lowest possible amount. An experienced attorney can assess the full extent of your damages, including medical expenses, lost wages, pain and suffering, and future damages, to help you seek the maximum compensation you are entitled to.
  • Legal Expertise: Personal injury attorneys specialize in handling pedestrian accident cases and have a deep understanding of the laws and regulations in LA. They can navigate the legal complexities, gather evidence, and build a strong case on your behalf. Their knowledge and expertise can help you pursue a favorable outcome.
  • Negotiation Skills: Insurance companies have teams of adjusters and lawyers who are experienced in negotiating settlements. By having an attorney on your side, you level the playing field. They can negotiate with the insurance company on your behalf and fight for a fair settlement that reflects the true value of your injuries and losses.
  • Peace of Mind: Dealing with the repercussion of a pedestrian accident can be overwhelming and stressful. By engaging an attorney, you can offload the legal responsibilities and focus on your recovery. Your attorney will handle all communication with the insurance company, paperwork, and legal proceedings, providing you with peace of mind.

In summary, consulting with a personal injury attorney in LA before contacting the driver’s car insurance company yourself can ensure that your rights are protected, help maximize your compensation, and provide you with the necessary legal guidance and support throughout the claims process.

We Can Help

At the Pacific Attorney Group, we understand the challenges and complexities of dealing with insurance companies after a pedestrian accident in LA. Our experienced team of personal injury attorneys is here to help you navigate the process and advocate for your rights.

By choosing our services, we can handle all communication with the driver’s car insurance company on your behalf. We will work diligently to protect your interests and ensure that you are treated fairly throughout the claims process. Our attorneys have extensive experience in negotiating with insurance companies and will strive to secure the maximum compensation possible for your injuries and losses.

Our goal is to alleviate the burden from your shoulders and handle all aspects of your claim, including gathering evidence, assessing damages, and building a strong case to support your claim. We will fight for your justice and ensure that you are not taken advantage of by the insurance company.

By engaging our services, you can focus on your recovery and well-being while we handle the legal complexities and advocate for your best interests. We provide personalized attention and support, keeping you informed at every step of the process and addressing any concerns or questions you may have.

In case you have been involved in a pedestrian accident in LA and need assistance with contacting the driver’s car insurance company, reach out to the Pacific Attorney Group. We offer a free consultation to talk through your case and provide guidance on the best advice. Let us help you seek the compensation you deserve while you concentrate on your recovery. Contact us today for compassionate and reliable legal representation.