Pedestrian car accidents involve a car hitting a person while they are walking in or around a road or highway.
If you are the injured pedestrian there three things you need to know:
1. You Need to Get the Driver’s Insurance Information
First, you would like to urge the name, car place number, and insurance information from the driving force that hit you. If you didn’t get the insurance information at the scene of the accident, then you’ll catch on from the police if they attended the scene.
The driver’s insurance information is vital because the driver’s automobile insurance will cover your Section B: Accident Benefits Claim and your Personal Injury Claim — normally, your own automobile insurance would cover your Section B: Accident Benefits, but this is often not so in pedestrian accidents.
Do not await the driver’s insurance to urge in-tuned with you, take the initiative and call them to report the accident and ask that they “open a neighborhood B Claim for you”. They will assign an insurance adjuster and can send you the forms you’ll get to fill out.
2. Contact Witnesses ASAP
You want to get the names and contact information of any witnesses who saw the accident. This is extremely important in pedestrian accidents because there’s often a dispute over who was guilty of the accident.
Even if you were hit in a crosswalk, it is possible for you to be held partially at fault. If you’re partially guilty, then your compensation would be reduced in direct proportion to the percent you were guilty. For example, if you were 25% at-fault, later your compensation would be reduced by 25%.
Many people don’t bother to contact witnesses due to a mistaken belief that the driving force will accept fault for the accident. I can tell you that the insurance company never accepts 100% fault, no matter what they tell you. Think about it. It’s within the insurance companies’ interests to steer you to believe that they could accept fault because the longer you wait to talk with witnesses the more their memory will fade. Their home address can change so you’ll haven’t any way of finding them.
3. Be very cautious about giving “statements” to the insurance company
The more serious your injuries, the more the insurance company will go into damage control to try and limit the amount of money that they will have to pay you. Please understand that proving fault in pedestrian accidents is extremely technical. Insurance companies will want to urge statements from you before you speak with a lawyer. They do this because you are more likely to say things that will later hurt your case.
It is fairly easy for an experienced insurance adjuster to skew your version of what happened based on the issues they ask. This can end in you giving an incomplete version of events. When you later attempt to correct things, they’re going to argue that you simply are “now making things up to undertake and help your case”.
Even if you’re honest and well-meaning, you’ll ruin your case by giving an incomplete “statement” to the insurance firm before you actually know what you’re doing.