Today’s topic is going to be whether or not you are covered under your own uninsured motorist policy if you are struck by another vehicle that is either left the scene or uninsured and you were the pedestrian.

Unfortunately, these things happen, and I’ve handled quite a few pedestrians related accident cases. The question is always, and a lot of people don’t even know that your uninsured motorist coverage under your own policy covers you, and in most instances your immediate family, if you are injured as a pedestrian.

The statistic #

The statistic shows that a lot of pedestrians are injured annually in the US. And the statistics also show that there is a lot of hit and run accidents on pedestrians. Meaning that person that commits or is at fault for the accident left the scene. There are a lot of instances. And I think the numbers here in Missouri are around 15-20% of an uninsured motorist. Meaning that your chances are 1 in 5 that if you’re struck by a vehicle as a pedestrian that person will not have coverage to protect you. Therefore, your uninsured motorist coverage kicks in.

So, you are protected, if you have car insured policy. As well, your immediate family, your wife, kids and so on. I think your kids also protected if they’re away in college, and God forbid something happens to them. Don’t be discouraged once those bills start rolling in from the hospital and all that stuff.

Talk to a lawyer #

Talk to a lawyer, he or she will give you more than enough information about UM coverage that will kick in. Make sure that there is a report police file.

If you have any other questions related to struck by a hit and run driver as a pedestrian please don’t hesitate to give me a call at 314-352-6800. Thank you and have a good day.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney