Pedestrian Knockdowns: I Wasn't Driving. Why Is My Auto Insurance Involved?

Related Attorney: Timothy E. Dinan

November 1, 2023Pedestrian Knockdowns: I Wasn't Driving. Why Is My Auto Insurance Involved?

Title: I Wasn’t Driving, Why Does Is My Auto Insurance Involved: Pedestrian Knockdowns

You’re following the rules and waiting for the walk sign and using a crosswalk, but some driver is texting and blows a red light and hits you. What’s next? Here's a simple guide on what to do:

1. Ensure Safety First: Your immediate concern should be your safety and well-being. If you're conscious and able, move out of harm's way to avoid further danger.

2. Seek Medical Attention: Even if your injuries seem minor, it's important to seek medical attention. Some injuries may not show immediate symptoms, so it's crucial to get checked out by a healthcare professional.

3. Exchange Information: If the driver stops, exchange information calmly. Obtain their name, contact details, and insurance information. It's also a good idea to get contact information from any witnesses.

4. Notify the Authorities: Call the police and report the incident. Having an official report can be helpful for insurance claims and legal matters.

5. Document the Scene: If possible, take pictures of the scene, the vehicle involved, and any visible injuries. This can serve as valuable evidence later.

6. Contact Your Insurance Company: If you have auto insurance, inform your insurance company about the accident, even though you were a pedestrian. They can provide guidance on potential coverage, including PIP health insurance. The question is whether or not you sustained injuries “arising out of the use of an automobile.” If you’re hit by a car, your injuries have arose out of the use of an automobile and your auto insurance should cover you. If you don’t have auto insurance you my be eligible for NJPLIGA insurance to cover your medical bills.

7. Legal Consultation: In cases where the accident resulted in serious injuries or if you're encountering difficulties, consulting an attorney can be beneficial. We can help you navigate the legal aspects.

New Jersey, like many states, prioritizes pedestrian safety, and the law often protects pedestrians in crosswalks. However, it's crucial to follow these steps to ensure your safety and protect your rights. Remember that your well-being comes first, so always seek medical attention and stay as calm as possible during the process.

Questions? Contact Tim Dinan at, or (973) 729-1880.

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