How Auto Insurance Works When You Hit a Cyclist or Pedestrian

If you are involved in an accident and hit a cyclist or pedestrian, your auto insurance will likely cover the damages. However, there are some things that you should know about how this type of coverage works. In this blog post, we will discuss what happens when you hit someone with your car and how your insurance policy applies. We will also provide some tips on how to protect yourself financially if you are involved in such an accident.

Most auto insurance policies will cover damages that you cause to another person with your car. This includes damage to their property, such as their bicycle, and any medical expenses that they incur as a result of the accident. In most cases, your liability coverage will pay for these damages. If you do not have liability coverage, or if your policy limits are not high enough to cover the damages, you may be responsible for paying out of pocket.

It is important to note that if you are at fault for an accident, your insurance rates may increase. This is because you will be considered a higher-risk driver. If you have a history of accidents or traffic violations, your rates will likely increase more than if you have a clean driving record.

There are some things that you can do to protect yourself financially if you are involved in an accident with a pedestrian or cyclist. First, make sure that you have adequate liability coverage on your auto insurance policy. This will ensure that your insurer pays for the damages that you cause. You should also consider increasing your policy limits if you live in an area with a lot of pedestrian traffic. Finally, be sure to drive carefully and always yield the right-of-way to pedestrians.

Does your auto insurance policy cover your damages or injuries?

Most auto insurance policies will cover damages that you cause to another person with your car. This includes damage to their property, such as their bicycle, and any medical expenses that they incur as a result of the accident. In most cases, your liability coverage will pay for these damages. If you do not have liability coverage, or if your policy limits are not high enough to cover the damages, you may be responsible for paying out of pocket.

Is your auto insurance rate affected?

Yes, if you are at fault for an accident, your insurance rates may increase. This is because you will be considered a higher-risk driver. If you have a history of accidents or traffic violations, your rates will likely increase more than if you have a clean driving record.

Conclusion

There are some things that you can do to protect yourself financially if you are involved in an accident with a pedestrian or cyclist. First, make sure that you have adequate liability coverage on your auto insurance policy. This will ensure that your insurer pays for the damages that you cause. You should also consider increasing your policy limits if you live in an area with a lot of pedestrian traffic. Finally, be sure to drive carefully and always yield the right-of-way to pedestrians.

By following these tips, you can help to protect yourself financially if you are involved in an accident with a pedestrian or cyclist. Remember, your auto insurance policy will likely cover the damages that you cause, but it is always a good idea to be prepared for the worst. Drive safely!

Leave a Reply