In short yes your car insurance will cover you if you hit a pedestrian. However there are a few things to keep in mind. First and foremost your insurance will only cover you if you have the right coverage. most standard car insurance policies will include some form of liability insurance which will cover you if you are found at fault for an accident. However there are some limits to liability insurance so it’s always best to check with your insurer to see exactly what is and is not covered.
Additionally even if you do have the right coverage your policy may have some exclusions that could come into play. For example some policies will not cover you if you are hit by a pedestrian while you are driving under the influence of drugs or alcohol. So if you are found to be at fault for an accident where a pedestrian is injured you could be on the hook for any damages that exceed your policy limits.
Finally it’s important to remember that car insurance is designed to protect you financially not to provide you with legal protection. So even if your policy does cover you for hitting a pedestrian you could still be sued by the pedestrian (or their family) for damages. If you are sued and found to be at fault you could be required to pay damages out of your own pocket even if your insurance policy would have covered them.
All of this being said it’s always best to use caution when driving and to be extra careful around pedestrians. Even if you have the right insurance coverage an accident can still cause a lot of financial and legal trouble.
Table of Contents
Does car insurance cover if you hit a pedestrian?
No car insurance does not typically cover if you hit a pedestrian.
Will my insurance go up if I hit a pedestrian?
Yes your insurance rates will most likely increase if you hit a pedestrian especially if it is determined to be your fault.
How much will my insurance go up if I hit a pedestrian?
Your insurance rates could increase anywhere from 20-50% if you hit a pedestrian depending on the severity of the accident and who is determined to be at fault.
What if the pedestrian is at fault for the accident?
If the pedestrian is determined to be at fault for the accident then their insurance would be responsible for any damages.
Can I sue the pedestrian if they are at fault for the accident?
Yes you could sue the pedestrian if they are at fault for the accident.
However it is unlikely that you would win the lawsuit unless the pedestrian was grossly negligent or intentionally caused the accident.
Do I need to report the accident to my insurance company if the pedestrian is at fault?
No you do not need to report the accident to your insurance company if the pedestrian is at fault.
However it is always a good idea to err on the side of caution and report any accidents to your insurer even if you are not at fault.
The pedestrian was jaywalking when I hit them do I still need to report the accident?
Yes you should still report the accident even if the pedestrian was jaywalking.
Jaywalking is not a valid defense in an accident claim.
I only have liability insurance will my insurance cover the damages to the pedestrian?
No liability insurance will not cover the damages to the pedestrian.
Liability insurance only covers damages to the other party if you are at fault for the accident.
The pedestrian was not wearing any reflective gear is that their fault?
No the pedestrian is not at fault for not wearing reflective gear.
However if the pedestrian is not visible and you hit them your insurance rates could still go up.
I hit a pedestrian with my car do I have to call the police?
No you are not required to call the police if you hit a pedestrian with your car.
However it is always a good idea to err on the side of caution and call the police especially if there are any injuries.
The pedestrian has minor injuries do I still need to call an ambulance?
No you do not need to call an ambulance if the pedestrian has minor injuries.
However you should still take them to the hospital to get checked out as soon as possible.
The pedestrian is seriously injured what should I do?
You should call an ambulance immediately if the pedestrian is seriously injured.
Do not try to move the pedestrian yourself as this could further injure them.
The pedestrian died from their injuries what should I do?
You should call the police immediately if the pedestrian died from their injuries.
Do not try to move the pedestrian yourself as this could tamper with the evidence.
I don’t have car insurance will I still be responsible for the damages?
Yes you will still be responsible for the damages even if you don’t have car insurance.
If you can’t afford to pay for the damages you may be sued or have to declare bankruptcy.
I hit a pedestrian with my car what should I do next?
The first thing you should do is check to see if the pedestrian is injured.
If they are injured call an ambulance.
If the pedestrian is not injured exchange insurance information with them and file a police report.