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QuestionInsurance Question  I was a pedestrian that was ran off of the road by a vehicle and I was injured. I am afraid that the owner does not have insurance. Will my uninsured motorist insurance cover me even though I was not in a vehicle?

AnswerAuto Insurance Answer

You will need to check the terms of your uninsured motorist along with your state insurance laws to see if as a pedestrian you were covered.

The exact terms and coverage vary with the policy and applicable state laws and regulations, but typically an uninsured motorist policy will reimburse you for medical treatment, lost wages, and damages such as pain and suffering.

The UM policy usually covers the driver and passengers, as well as anyone driving the car with permission. It may even cover such damages when the policy holder (or sometimes a family member as well) is struck as a pedestrian by an uninsured motorist.

Some uninsured motorist policies also include coverage for accidents by phantom drivers, meaning hit and run drivers who are not found, who are treated as uninsured drivers, but they usually require independent corroboration, by a witness or other proof that your vehicle was struck by another car that left the scene of the accident.

To find out for certain if your UM coverages will extend to the injuries you received as a pedestrian contact your insurance agent and/or read through the terms of your policy. 

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