The pedestrian that becomes the target of a hit-and-run driver has no barrier between him or her body and the poorly-controlled vehicle. By the same token, the pedestrian’s sources of insurance coverage tend to be limited.
Did the walking victim have Personal Injury Protection?
Personal Injury Protection (PIP) coverage guarantees payment of medical expenses, along with wage replacement and the replacement of essential services, such as housekeeping. Still, payment can be denied if the victim’s employer has failed to complete the necessary forms.
Did the victim have some type of personal health insurance?
If so, then that insurance can be used to pay the victim’s medical expenses, once the deductible has been paid. If the injured policy holder has filed a personal injury lawsuit, then the money received as a reward should cover the cost of the deductible.
If the injured pedestrian had no health insurance, and if the driver’s identity was never discovered, then the pedestrian’s medical expenses would have to be treated as an out-of-pocket expense. If the responsible driver was identified, then the victim could sue that same person.
With collision coverage, you have the option of making a claim if there is an accident and you need to file a claim for damages. However, if it is a hit and run, you might have to pay the deductibles on the policy. However, collision coverage does not affect your injuries but is only applicable for auto damage.
If in the hit and run accident, the owner or driver of the vehicle cannot be traced, your uninsured motorist coverage can cover for it. Instead of bringing a claim against the at-fault party might not be possible but you can claim it from your insurance company. You will get the damages as per the amount of uninsured auto coverage you have. You can recover the lost wages, medical bills and pain and suffering that you have endured. Additionally, you can be reimbursed for the property damage and vehicular damages.
How could the injured victim raise money for any possible out-of-pocket expenses?
Some victims have been unable to identify and locate the responsible driver. Other than that, it really helps to consult with an experienced lawyer as soon as possible after the accident. This helps you to preserve the evidence and get the witness statements which further strengthen your case. By having a good Personal Injury Lawyer in Edmonton with you, they take care of all legalities and represent your rights at all times. Right from filing a claim, dealing with the insurance adjuster to ensuring that you get an adequate amount as settlement offer.