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There are two types of insurance a person can get:
Liability Only or Full Coverage
Liability car insurance covers the cost of damage or injury that you may cause to other people or their property while driving. Specifically, it covers:
1.Bodily Injury: This covers medical expenses, lost wages, and other damages for any injuries that you may cause to others in an accident.
2. Property Damage: This covers the cost of damage to other people’s property, such as their car or fence.
It’s important to note that liability insurance only covers damages or injuries to others and their property, not your own.
That bring us to Full Coverage, which is Liability + Comprehensive/Collision.
Collision covers the cost of repairing or replacing your own vehicle if you are in an accident while Comprehensive covers damage to your car from non-collision events, such as theft, vandalism, fire, or natural disasters.
Additional Coverages are available as well, such as:
Car Insurance: Will It Cover You If You Hit A Pedestrian?
If you hit a pedestrian with your car, your car insurance should cover the damages and injuries you may have caused. Specifically, your liability insurance will cover the pedestrian’s medical bills, lost wages, and other damages up to the limits of your policy.
If you have additional coverage, such as personal injury protection (PIP) or uninsured/underinsured motorist coverage, those may also come into play depending on the circumstances of the accident.
Car Insurance Will Not Always Cover Hitting A Pedestrian
Why? well, there are a few factors that we need to take into consideration. For example, the circumstances that led to the incident and the laws in the State or area where the accident occurred.
What do we mean by this?
If you were driving recklessly, under the influence of drugs or alcohol, or intentionally hit the pedestrian, your insurance company may not cover you. In addition, if the pedestrian sues you for damages that exceed your policy limits, you may be personally liable for the excess amount.
If you’re involved in an accident with a pedestrian, it’s important to contact your insurance company as soon as possible to report it.
OTHER HELPFUL LINKS
Learn more about full coverage auto insurance here.
Learn more about liability only auto insurance here.
Both Crystal and Katie were very helpful and...read moreBoth Crystal and Katie were very helpful and I was able to get a policy set up quickly and easily.read less
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