Where pedestrian and cyclist claims come from
- Drivers failing to yield at crosswalks and intersections
- Right-turn and left-turn crashes
- Distracted or impaired driving
- Backing out of driveways and parking spaces
- Car doors opened into a bike lane
Insurance that may cover you
The at-fault driver's liability insurance is the usual source of compensation. If you own a car, your own personal injury protection (PIP), medical payments or uninsured/underinsured motorist coverage may also apply even though you were walking or cycling. If the driver fled, uninsured motorist coverage may be the main path — see our hit-and-run guide.
Shared fault
Insurers often claim that a pedestrian or cyclist was partly at fault — for crossing mid-block or riding outside a bike lane. Most states still allow recovery when fault is shared, with compensation reduced by your percentage. An attorney can push back on unfair fault claims.
Frequently asked questions
Can I claim if I was jaywalking?
Possibly. Drivers still have a duty to avoid hitting pedestrians, and most states use comparative fault. Your compensation may be reduced, but a claim is often still possible.
Does my car insurance cover me if I was hit while walking?
In many states, yes — PIP, medical payments and uninsured motorist coverage can follow you as a pedestrian or cyclist. Check with an attorney about your policy.