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Car insurance is required by law to protect against damage and injuries done to other people, even if that person isn’t driving a car. That means that if someone in a car hits you while you’re on foot or riding a bicycle (or anything else that isn’t considered a motor vehicle, from rollerblades to skateboards), you may be able to make a claim against the driver’s insurance.
However, the insurance claim process is different in this type of accident compared to accidents involving two vehicles. Read on for simplified details – but we suggest talking to a lawyer, because every situation is different. You can contact us for a free consultation and we’ll help answer your questions.
An important note about deadlines
There are several deadlines that affect motor vehicle insurance claims (and that also apply to pedestrian and cyclist claims). For example, you have two years after the date of the accident to file a lawsuit against the other person. When it comes to no-fault loss of income benefits you have to miss at least 7 work days out of the 30 days following the accident, or be on reduced duty, to potentially qualify.
Do I really need a lawyer?
Hiring a lawyer to represent you is completely optional. You can choose to handle your insurance claim alone if you want to.
Some people choose to do it themselves to save on legal fees, but we believe that in those cases the outcome will be worse than if they had hired a lawyer to represent them. The insurance company has a whole team of adjusters and lawyers on their side with years of experience in making sure insurance payouts – including yours – are as small as possible. A lawyer with experience in insurance claims, on the other hand, will fight for you to make sure you get the full compensation you deserve.
Do I have a case?
We offer free consultations for injuries resulting from motor vehicle accidents, slip and falls, pedestrian accidents and other accidents, as well as long-term disability claims.
Do not hesitate to contact our team of lawyers for all your legal needs.