Does insurance cover pedestrian accidents?

Yes, insurance can cover pedestrian accidents in Pennsylvania. Generally, insurance is divided into two types – liability and no-fault. Liability insurance covers damages to the other party involved in an accident, and no-fault coverage covers the insured’s medical expenses, lost wages from work, and other related costs. In Pennsylvania, Pennsylvania’s No-Fault Automobile Insurance Act commonly applies to automobile accidents, but it also applies to pedestrian accidents. Under this Act, each person involved in an accident is covered by their own insurer, regardless of who is at fault. No-fault coverage, through the insured’s insurer, would cover their medical expenses, lost wages, and other related costs due to the pedestrian accident. Additionally, if the pedestrian accident is caused by another person, such as a driver, then liability insurance coverage would apply. Liability insurance is held by the driver responsible for the accident and their policy can cover damages to the pedestrian, such as medical expenses, pain and suffering, and other damages based on the severity of the accident. Overall, insurance coverage can be used to cover pedestrian accidents in Pennsylvania, depending on the circumstances of the accident. In most cases, no-fault coverage from each person’s insurance company, and liability coverage from the responsible party’s insurance company provides the necessary coverage.

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