When you are flying, you may have heard someone remark that “statistically, you are more likely to get injured in your vehicle on the way to the airport than during your flight.” This is true: you are almost 100 times more likely to die in a car accident than in an airplane crash.

Furthermore, you are still in danger of being injured in a motor vehicle crash even when you are not driving one. In 2017, the CDC documented over 137,000 injuries to pedestrians from motor vehicles, and nearly 6,000 pedestrians were killed in such accidents that year.

If you are injured as a pedestrian by a motor vehicle, you are entering a confusing world of insurance coverage.  However, having a plan of action can make all the difference in ensuring that your recovery and compensation are handled correctly. Here are 3 steps to take in event you are injured as a pedestrian by a motor vehicle.

1. Seek Medical Attention

According to the CDC data referenced above, the good news is that less than 5% of pedestrian injuries from motor vehicles result in a fatality. However, due to the size disparity between a person and vehicle, the likelihood of injury is high. If you have been injured in a pedestrian-motor vehicle accident, seek medical attention right away, and be sure to report any and all areas where you are experiencing pain.  If you have any visible injuries, such as lacerations, road rash, or bruises, take photos of the injured areas.  Follow all treatment recommendations from your doctors, and if you are having problems, don’t hesitate to get them checked out.

2. Call The Police And Document As Much As Possible

The police should be called after any accident, especially if injuries are involved.  This will allow the police to conduct an investigation and write up an “accident report,” which will contain key details about the incident.  Even if the police have responded, it is important that, if possible, you also take a moment to document as much as possible about the incident. Details such as the time and location of the incident, make, model and license plate number of the vehicle involved, the insurance information of the involved vehicle, and the names and contact information of any witnesses should all be noted.  Gathering as much detail about the incident while your memory of the accident is still fresh will be helpful later on in the claims process.  If you are able to take photographs of the area of the incident, you should do so.  If you are unable to, have someone get to the scene of the incident as quickly as possible to do so. 

3. Consult A Personal Injury Lawyer

The next stage of your personal injury case can be confusing and difficult if you try to handle it by yourself.  Identifying the proper coverages for no-fault insurance and underinsured coverage can be tricky, but is absolutely crucial to obtaining proper compensation.  Even though you are pedestrian, in most situations, you will still bring your no-fault claim through your own auto insurance company.  If you don’t have your own insurance, then you look for no-fault coverage through the policy of any relatives you may live with.  If there is still no applicable policy, then you typically will look to the insurance company on the vehicle that struck you for no-fault coverage.  If they are uninsured, you may be able to get no-fault coverage through the Minnesota Automobile Assigned Claims Bureau.  If the at fault driver does not have enough insurance coverage to compensate you for your injuries, you may be able to bring an “underinsured” motorist claim, typically through your own insurance company.

An experienced personal injury lawyer will be able to identify the proper coverages, guide you through the steps of filing a claim, build and evaluate your case, try to  settle your claim, and if necessary, proceed with a lawsuit.  A personal injury case has many moving parts, and having the right personal injury lawyer by your side can make a profound difference.

Work with Nelson Personal Injury

The personal injury lawyers at Nelson Personal Injury understand that personal injury claims can be difficult to navigate, and that’s why we work hard to make sure you feel heard, striving to get you the compensation to help you on the road to recovery. If you have been involved in an accident as a pedestrian, find out how we can help you with your claim: nelsonpersonalinjury.com.