It’s probably one of the most common fears among motorists, and it can be devastating for the person hit by a vehicle in New York. Whether it’s a small child on their first bike or an elderly person out for a walk, you’ll feel terrible if you hit a pedestrian. Unfortunately, it’s possible for any motorist, and you should understand what you should do and what you can expect regarding insurance.
What does car insurance cover?
While coverage can vary according to individual policies for pedestrian accidents, you should be aware that your bodily injury is covered if you’re a pedestrian in an accident with a motorist. But because New York is a no-fault state, your insurance won’t cover the costs of injury to a pedestrian that you might hit with your vehicle. Additionally, if you hit a pedestrian and are injured, your insurance might pay cover your medical costs as long as your limits are high enough.
What you should do if you hit a pedestrian
If you hit someone while in your car, there are some essential steps that you should take. First, call 911 immediately so the injured person can get medical attention as soon as possible. You will also need to exchange insurance information, file a police report, take pictures of the accident, and report the accident to your insurance company once you know that everyone has received the medical attention that they need.
If you’re a motorist or pedestrian, which is pretty much everyone, you need to know how you’ll pay for injuries in the event of an accident. Take the time to understand the laws in New York so that you’re not caught unaware.