- 1 Who Is At Fault When a Pedestrian Is Injured?
- 2 How Will My Medical Bills Be Paid?
- 3 How Much Medical Insurance Am I Entitled To?
- 4 If I Can’t Work, Am I Entitled to Get My Lost Wages?
- 5 Can Pedestrians Get Money In A Hit & Run Accident?
- 6 Can I Get Money If The Car That Hit Me Had No Insurance?
- 7 Can I Get Money If The Car That Hit Me Was Stolen?
- 8 Can I Get More Money Than The Insurance The Car Has?
- 9 Can I Get More No-Fault Insurance Than The Car Has?
- 10 When Do I Have To File A No-Fault Application To Pay My Medical Bills?
- 11 “Legally Serious” Injury
- 12 Medical Liens
- 13 NO Legal Fee for Estate Work for Wrongful Death!
- 14 Serious Injuries
Who Is At Fault When a Pedestrian Is Injured?
The driver is almost always partially, mostly, or 100% at fault when a pedestrian is struck and injured by a car. In New York State, we can get money for you even if you were partially at fault.
A study from a city Department of Public Health and Municipal Transportation Agency found “64 percent of all collisions between people walking and driving are ‘driver at fault.” However, we believe it’s closer to 100% of drivers at fault.
We are very good at proving that the driver was 100% at fault for causing pedestrian accidents and injuries. We usually submit an argument in writing called a summary judgment motion to request an order of the court stating that the driver was 100% at fault/negligent.
How Will My Medical Bills Be Paid?
Pedestrians receive insurance coverage for medical bills from the No-Fault insurance coverage of the car which hit or struck the pedestrian. (Think of No-Fault simply as health and disability insurance.)
No-Fault pays for:
- Hospital bills
- Medical bills including medical doctors, chiropractors, dentists, plastic surgery
- Radiology including X-Rays and MRI
- Physical Therapy
- Transportation to doctors
- Household help
- Lost wages/income
If the pedestrian has health insurance coverage, medical bills must be submitted to the health insurance only after the No-Fault insurance coverage has paid all of the money available under the policy or a No-Fault doctor has denied further payments.
How Much Medical Insurance Am I Entitled To?
Pedestrians are entitled to at least the New York State minimum no-fault $50,000 coverage. The owner of the car may have also purchased additional coverage called OBEL (Optional Basic Economic Loss) or Additional PIP (Personal Injury Protection).
You will get this insurance coverage even if you were hurt in a hit and run with a stolen car but a no-fault application must be filed within 30 days of your bicycle accident, so please call us immediately for a free consultation 1-800-HURT-911 — 1-800-487-8911
If I Can’t Work, Am I Entitled to Get My Lost Wages?
Yes, No-Fault coverage provides payments for lost wages. You should also file an application (DB-450) to receive New York State disability. No-Fault provides most of the lost wage payment while New York State disability pays part of it. We can file this form for you.
To receive No-Fault payments for lost wages, You will need a letter every 30 days from your doctor stating that you are still unable to work. We can get this form from your doctor every month and forward it to the No-Fault insurance company for you.
We do not charge a legal fee for representing you with your No-Fault claim and lost wage claim.
Can Pedestrians Get Money In A Hit & Run Accident?
Yes. Pedestrians injured in a hit and run accident in New York can receive money for medical treatment, lost wages, and pain and suffering. You must file a police accident report within 24 hours and you have a limited time to file an uninsured claim, usually 90 days from the date of your accident, so please call us immediately for a free consultation 1-800-HURT-911 — 1-800-487-8911
If you were walking on the sidewalk or crossing the street and the car that hit you left the scene, please call us so we can get you all of the benefits listed on this page, including money for medical treatment, lost wages, and pain and suffering.
Who pays when the accident was a hit and run?
If you have a car or live with a relative who has a car, you can receive money from the uninsured coverage of the insurance company for your or your relative’s car.
If you do not have a car and do not live with a relative who has a car, you can still receive money from MVAIC, the Motor Vehicle Accident Indemnification Corporation which is a New York State insurance company that pays benefits to pedestrians when there is no insurance.
Can I Get Money If The Car That Hit Me Had No Insurance?
Yes. If you were a pedestrian and the car that hit you stopped but had no insurance, you can still receive money for medical treatment, lost wages, and pain and suffering.
Who pays when the car that hit me had no insurance?
You will be paid from the uninsured coverage of your insurance, a relative you live with, or MVAIC.
Can I Get Money If The Car That Hit Me Was Stolen?
Yes. If you were a pedestrian and the car that hit you was stolen and even left the scene, the car’s insurance company will deny insurance coverage. But you can still receive money for medical treatment, lost wages, and pain and suffering from the uninsured coverage of your insurance, a relative you live with, or MVAIC.
Who pays when the accident was caused by a stolen car?
If you have a car or live with a relative who has a car, you can receive money from the insurance company for that car.
If you do not have a car and do not live with a relative who has a car, you can receive money from MVAIC, the Motor Vehicle Accident Indemnification Corporation which is a New York State insurance company that pays benefits to pedestrians when there is no insurance.
Can I Get More Money Than The Insurance The Car Has?
If you have a car or live with a family member or relative who has a car, and you or your relative has underinsured coverage you can receive more money from the underinsured coverage of the insurance company for your or your relative’s car. Your family member’s insurance premium cannot be increased.
Note: Uninsured coverage on your insurance policy, or that of a relative you live with, or from the New York State agency MVAIC will cover you whether you are a pedestrian, riding a bicycle, or riding in a car.
Underinsured coverage on your insurance policy or that of a relative you live with will cover you whether you are a pedestrian, riding a bicycle, or riding in a car. See what you need to know about Underinsured coverage.
Can I Get More No-Fault Insurance Than The Car Has?
If you are a pedestrian hit by a car or a passenger in someone else’s car and you also own your own car or live with a relative who owns a car, you may be able to combine or add together the no-fault insurance coverage from the car that struck you together with the no-fault insurance on your own car or your relative’s car.
As an example, if you were struck down by a car and broke your leg, you might have received surgery and was hospitalized. After recovering in the hospital, the hospital will send you to a rehabilitation facility where you might stay for 6-8 weeks. The total cost of your medical treatment can easily exceed $50,000 or even $100,000.
What do you do if the car that hit you only has $50,000 No-Fault coverage and you do not have health insurance?
If the car that hit you has $50,000 No-Fault insurance coverage and either you or your relative also own a car with $175,000 No-Fault insurance coverage, when the first policy runs out of money, you can receive up to another $125,000 additional coverage from your or your relative’s policy.
When Do I Have To File A No-Fault Application To Pay My Medical Bills?
Pedestrians hit by a car or motorcycle must file a No-Fault application within 30 days of the accident. No-Fault is the insurance that pays for your medical bills, transportation to doctors, drugs, lost wages, and household help.
Unlike an accident with two cars, a person injured in a pedestrian accident or a bicycle accident must file a No-Fault application with the insurance company insuring the car which struck you. Finding the right insurance company can be very difficult causing you to file your No-Fault application with the wrong insurance company and losing your benefits, but we will file it for you.
If you, the pedestrian, also own a car, you may have additional No-Fault coverage. For instance, the car that hit you may have the New York State minimum No-Fault coverage of $50,000 but you may have a policy providing $150,000.
Since the information you enter on the No-Fault application can hurt your case, it’s better to let us do it for you.
“Legally Serious” Injury
Like any other car accident, a pedestrian must prove that he or she has a “legally serious” injury. The definition of a “legally serious” injury is extremely confusing and difficult to prove even for many lawyers. We have been extremely successful in proving that our clients sustained a “legally serious” injury. We have not had a case that was dismissed for failing to prove a “legally serious” injury.
An often overlooked injury with pedestrian accidents is a closed head injury. You may have hit your head and had a concussion. This is an injury that is extremely serious and can be worth more than $1 Million.
Head injuries are often overlooked because the pain from a concussion can go away but the injured victim usually doesn’t understand the symptoms which often never go away. Even treating doctors usually overlook these symptoms because the injury is in a different medical field than the doctor.
You may have an injury that is serious but isn’t life-threatening. Obviously, a pedestrian struck by a car may have far more serious injuries than is usually seen in a two-car accident.
When you have a serious injury, your medical bills can easily be over $50,000 and there may be a lien against your case to recoup the money paid for your medical bills. We had a client who was a quadriplegic after she was struck by a car. Her medical bills at an NYS hospital were originally near $1,000,000. NYS sought to get the money back and we were successful in getting NYS to waive the entire lien so nothing was repaid.
NO Legal Fee for Estate Work for Wrongful Death!
We provide FREE legal services for estate work for a wrongful death lawsuit in the event that a bicyclist is killed and the family doesn’t have or doesn’t want to spend the money to hire an estate lawyer.
If you were hit by a car, please call us now for a free consultation if you have any of these serious injuries:
- Any broken bone, even a rib, finger, or toe
- Pain in your knee
- Pain in shoulder
- Pain in your wrist
- Pain in your neck
- Pain in your back
- You were in the hospital overnight
- You had any kind of surgery
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Watch Founding Partner Phil Franckel, Esq. talk about New York Serious Injury Attorneys.com, difficult cases, and the 1-800-HURT-911® Dream Team™
Philip L. Franckel, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York; He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and a former Member of the Board of Directors of the New York State Trial Lawyers Association.
Robert Plevy, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York. Rob began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.