If A Pedestrian Is Hit By A Car, Why Does Their Own Car Insurance Pay For Medical Expenses?

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If A Pedestrian Is Hit By A Car, Why Does Their Own Car Insurance Pay For Medical Expenses?
Let’s say a pedestrian is crossing on a clear to walk signal, he is knocked to the ground by the driver of a pickup truck.  He is scraped up very badly and stiff and sore and did go to the emergency room from the scene.  The personnel at the hospital told him that his own auto insurance pays the medical bills since he owns a car that is insured.  This sounds crazy since his car wasn’t even involved.  What is the “legislative intent” of this if this is the law?

Car Accident Attorney:  Florida’s Motor Vehicle No Fault Law is designed to be all encompassing, that is a catch all so to speak for anyone injured in the operation, maintenance or use of a motor vehicle, since such causes more injuries than any other type of event.  You can bet that hospitals had a strong lobby in the 1970′s when the law was written.  Again if you are injured in the operation, maintenance or use of a regular highway passenger four wheeled vehicle (if you are on a motorcycle you are excluded though) you draw medical expense and lost wage coverage pursuant to state law in the following order:

1.  If you own a four wheeled vehicle your own coverage pays without regard to fault and it doesn’t matter whether your vehicle is involved or not.

2.  If you do not own a vehicle but live with a relative who does, you draw that coverage from the resident relative’s vehicle whether you are on the policy or not.

3.  If you do not own a vehicle and don’t live with a relative who does, you draw your medical expense and lost wage “no fault” coverage from the vehicle you occupy when the injury occurs.

4.  If you are a pedestrian and 1 and 2 don’t apply and obviously you didn’t occupy a vehicle

(also holds true if you are on a bicycle) this is the ONE TIME you can draw your no fault coverage from the vehicle which strikes or otherwise injures you.

I say again you have nothing to worry about in terms of a raise in rates.

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