If the at-fault driver did not have insurance at the time of the pedestrian accident, the victim may face significant challenges in recovering compensation for their injuries and other damages. Typically, insurance policies cover the costs of medical bills, lost wages, and other damages that the victim may suffer as a result of the accident. However, if the driver does not have insurance, the victim may need to explore other avenues for recovering damages.
In some cases, the victim may be able to turn to their own insurance policy for coverage. For example, if the victim has uninsured motorist coverage, this may cover the costs of their injuries and other damages, up to the policy limits. However, not all insurance policies include this type of coverage, so it’s important to check the policy details to determine whether this is an option.
Another possibility is to pursue a personal injury lawsuit against the at-fault driver. Even if the driver does not have insurance, they may still be liable for the victim’s injuries and other damages. However, if the driver does not have significant assets, it may be difficult to recover damages even if a judgment is obtained against them.
In some cases, the victim may be able to recover damages from other parties who may share liability for the accident. For example, if a defective road condition or a faulty traffic light contributed to the accident, the city or state government may share responsibility for the victim’s injuries and other damages. Similarly, if a defective auto part or other product caused the accident, the manufacturer or distributor may be held liable.
Ultimately, the specific options available to a victim in a pedestrian accident case where the at-fault driver did not have insurance will depend on the specific circumstances of the accident. It’s important to consult with an experienced personal injury attorney who can help explore all available options and work to help the victim recover the compensation they need to move forward after the accident.