You drive a car and you hit a pedestrian who eventually sued you, some of the injuries or damages that has been caused should be covered by your car insurance company.
Before assuming that your insurer will cover the mess that caused by you, here are just a few things you need to know. First and foremost if you are sued, your insurance company will pay some or all of the expenses, depending on your coverage limits. Second, even if it is not your fault, he might choose to sue you for the medical payments. Third, when you find out that you are being sued, call your insurer immediately.
One of the greatest fears faced by most drivers is that they might hit a pedestrian while driving. While any car accident is not high on the list of anyone, the passengers have some level of protection at least when you strike a vehicle. But, they are completely exposed to your car when you hit a pedestrian. A safe way to avoid hitting pedestrians is, driving with caution but there is no such full protection towards this type of accident. If you are driving where pedestrians are, there is always a small risk that you are going to hit someone. This could happen even if you are careful when driving.
How does a pedestrian can sue?
Anybody can sue you at any time even though you have not been found responsible for hitting the pedestrian. For example, if a pedestrian crosses the street between two cars, he is at fault but can sue you. However, if the police find the pedestrian is guilty, a case is very unlikely even to be considered by the lawyer. When a lawyer decides to take the case, the pedestrian is unlikely to win the case.
What am I going to do once I know that I am being sued?
Calling the insurance company is the first thing you need to do. This can be changed unless there are justifying circumstances. For instance, if someone receives coverage from the insurance company for their injuries, they are not legally allowed to sue. You need to inform your insurer as soon as possible so you can determine whether the third party has already received some payment. It is most likely that your insurance company will offer the pedestrian a settlement rather than going to court. Nevertheless, in some situations it may differ. Even if you were not at fault in the accident, the insurance company would settle it with the individual. Whatever the insurance company pays out will affect the rates.
Conclusion
Ask yourself what you can afford to be charged after hitting a pedestrian. If you are not sure of affording an increase in your rates and coverage. then you should find a way. Of course, you can look for the lowest rates for your coverage with various car insurance companies.
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