If a pedestrian is injured by an uninsured vehicle, what can they claim under?

When a pedestrian is injured by an uninsured vehicle, they would typically look to their own automobile insurance policy for coverage. Section A of an automobile insurance policy generally covers physical damage to the vehicle, but when it comes to bodily injury sustained by a pedestrian, it is often Section B of the personal automobile policy that pertains to accident benefits, which includes medical expenses and other related costs, regardless of fault.

However, if a pedestrian has their own automobile insurance policy, they can access the benefits under Section B, which provides coverage for accident benefits to insured parties who are injured in a motor vehicle accident, including pedestrians. This section supports individuals regardless of whether the other vehicle was insured.

In some cases, if a pedestrian does not have access to their own policy or they are not insured, they may turn to the Motor Vehicle Accident Claims Fund, an alternative source for coverage when dealing with uninsured motorists. This fund is designed to provide compensation for injured parties when the at-fault driver has inadequate or no insurance.

In this context, the answer indicates their own policy, particularly thinking in terms of what injuries they can claim under their own coverage, suggesting a misunderstanding or confusion regarding the specifics of how automobile insurance policies function.

Thus, for pedestrians injured by uninsured vehicles,