With the arrival of spring also comes good weather. People take to the streets to walk, run, cycle, rollerskate and skateboard. However, it can be difficult for all of these people to share the road with motorists. A collision can occur unexpectedly.
Did you know that if this happens to you, you are also protected as a pedestrian or cyclist, just as if you are driving a motor vehicle? Car insurance policies in New Brunswick compensate you for all types of motor vehicle accidents.
That means that if you have been injured as a cyclist or pedestrian and the driver who hit you is at fault, you can make an insurance claim against them. Benefits will be paid to you by the at-fault driver’s insurance company.
If you have suffered injuries as a cyclist or pedestrian, and the other driver is not at fault, you are probably still eligible for benefits provided under Section B, also referred to as “no-fault” benefits. Section B benefits can compensate you for medical treatments, medications, and loss of income if you can’t work. You are entitled to Section B benefits regardless of who is at fault in the accident. For more details on Section B insurance claims, please click here.
What happens if you are hit by a car as a pedestrian or cyclist and the driver runs away? Don’t worry – if you have car insurance you’re probably covered. You can open a claim with your insurer under “Section D”. Claims under Section D are limited to a maximum of $200,000. However, if your policy includes a “SEF 44” rider, the latter could help you recover any amount exceeding $200,000, if your losses are higher than that amount.
What should I do immediately after the accident?
- Immediately after the accident, make sure all persons are safe;
- Call an ambulance if you think someone is seriously injured;
- Call the police if someone is injured or the car is damaged;
- Exchange contact information with the at-fault driver – try to get as much information as you can (name, address, date of birth, telephone number, driver’s licence number, name of insurer, etc.)
- Try to get contact information of any witnesses at the scene of the accident;
- Take pictures of the scene of the accident
- Do not give your opinion about the accident;
- Report the accident to your insurance company
- See a doctor immediately.
- Contact your lawyer to learn about your rights.
If you have been involved in an accident, contact us for a free consultation. We will inform you of your rights and obligations. No upfront payment is required – you pay only if we win your case.