San Diego Pedestrian Accident Lawyers: Insurance for Pedestrian Accidents

Pedestrian accidents are unfortunately common occurrences in San Diego, and they often result in serious injuries or even fatalities. If you or a loved one has been involved in a pedestrian accident, understanding the intricacies of insurance coverage is crucial for protecting your rights and obtaining fair compensation. In this comprehensive guide, we’ll explore the various types of insurance coverage that may apply in pedestrian accidents, including auto insurance, homeowners insurance, and uninsured/underinsured motorist coverage. We’ll also discuss the importance of seeking legal representation from experienced San Diego pedestrian accident lawyers Phillips and Pelly Injury Lawyers, who can navigate the complexities of insurance claims and fight for the compensation you deserve.

Types of Insurance Coverage for Pedestrian Accidents

Pedestrian accidents can involve various types of insurance coverage depending on the circumstances of the accident and the parties involved. Let’s take a closer look at the key types of insurance coverage that may apply:

1. Auto Insurance

In pedestrian accidents involving motor vehicles, the at-fault driver’s auto insurance is typically the primary source of coverage for the pedestrian’s injuries. Auto insurance policies often include the following types of coverage:

• Liability Coverage: This covers bodily injury and property damage caused by the insured driver to third parties, including pedestrians.
• Medical Payments Coverage: Also known as MedPay, this coverage pays for medical expenses incurred by the pedestrian, regardless of fault.
• Personal Injury Protection (PIP): Some states require PIP coverage, which provides broader coverage for medical expenses, lost wages, and other related costs.

It’s important to note that California is an at-fault state, meaning that the insurance company of the at-fault driver is responsible for covering the damages resulting from the accident. However, California also follows the doctrine of comparative negligence, which means that if the pedestrian is partially at fault for the accident, their compensation may be reduced accordingly.

2. Homeowners Insurance

In some cases, the at-fault party in a pedestrian accident may be a cyclist or a pedestrian who owns a home. In such cases, their homeowners insurance policy may provide coverage for the pedestrian’s injuries. Homeowners insurance typically includes liability coverage, which extends to accidents that occur on the insured’s property or as a result of their negligence. Will Home Insurance Cover a Civil Lawsuit? | Progressive

3. Uninsured/Underinsured Motorist Coverage

If the at-fault driver in a pedestrian accident is uninsured or underinsured, the injured pedestrian may be able to seek compensation through their own uninsured/underinsured motorist (UM/UIM) coverage. UM/UIM coverage is designed to protect individuals who are injured by drivers who either have no insurance or insufficient coverage to fully compensate for damages.

Navigating Insurance Claims for Pedestrian Accidents

Dealing with insurance companies after a pedestrian accident can be challenging, especially when you’re focused on recovering from your injuries. Insurance companies may try to minimize your claim or deny coverage altogether, leaving you with mounting medical bills and financial stress. That’s where experienced San Diego pedestrian accident lawyers like Phillips and Pelly Injury Lawyers can help.

Why Choose Phillips and Pelly Injury Lawyers?

Phillips and Pelly Injury Lawyers is a trusted law firm with a proven track record of success in handling pedestrian accident cases in San Diego. Our team of experienced attorneys understands the complexities of insurance claims and is dedicated to providing personalized attention and aggressive advocacy for each client. Here are some reasons why you should choose Phillips and Pelly Injury Lawyers to represent you in your pedestrian accident case:

• Experience: With years of experience representing injured pedestrians in San Diego, our attorneys have the knowledge and expertise to navigate even the most complex insurance claims.
• Track Record of Success: We have a proven track record of success in obtaining favorable outcomes for our clients, including significant settlements and jury verdicts.
• Personalized Attention: At Phillips and Pelly Injury Lawyers, we understand that every case is unique, and we take the time to listen to our clients’ concerns and goals. We provide personalized attention and tailor our legal strategies to meet the specific needs of each client.
• Aggressive Advocacy: We are committed to fighting tirelessly for the rights of our clients and are not afraid to take on insurance companies and other parties who are responsible for our clients’ injuries.

Contact Phillips and Pelly Injury Lawyers Today

If you or a loved one has been injured in a pedestrian accident in San Diego, don’t wait to seek legal help. Contact Phillips and Pelly Injury Lawyers today for a free consultation. Let us handle the complexities of your insurance claim and fight for the justice and compensation you deserve. With our experienced team by your side, you can focus on your recovery while we work tirelessly to protect your rights and future. Visit our website at Contact | Phillips & Pelly (sdinjury.com) or call us today at 858 794 1700 to schedule your consultation.

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