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Will My Homeowners Insurance Help With My Pedestrian Accident Injury Expenses?

There are a variety of different types of insurance policies that you may have. Car insurance, health insurance, and other policies cover virtually any type of damage or injury that happens to you. But what about an accident that happens to you when you’re a pedestrian?

The answer to this question largely depends on the type of policies you have and the provisions contained within them. In the vast majority of pedestrian accidents, the driver will be considered at fault and thus responsible for your damages. With that said, not every driver takes their responsibility seriously and may try to flee the scene to avoid any punishment. In these cases, as well as others, it’s extremely important to work with a team that can help you through the process.

Contact Kaufman & Stigger Today

If you get injured in a pedestrian accident in Kentucky, it’s important to have trustworthy legal assistance. At Kaufman & Stigger, PLLC, our team of experienced Kentucky pedestrian accident lawyers is skilled in handling all the responsibilities that come with your case. We have a proven history of success and can guide you through your legal options to help you recover from your injuries. Contact us today for a free, no-obligation consultation to learn more.

What is a Pedestrian Accident?

As the name suggests, a pedestrian accident is one where a person who is on foot is injured. In the vast majority of these types of accidents, the pedestrian is struck by a vehicle. The reasons that these accidents occur can vary, but are usually centered on the inattentiveness or recklessness of the person behind the wheel.

Moreover, a pedestrian accident can occur in a variety of different places in Kentucky, such as:

  • Crosswalks
  • Intersections
  • Parking lots
  • Along the side of the road


Obviously, the nature of these accidents can cause injuries or, in worst cases, even death for the pedestrians involved. It’s also worth noting that every pedestrian is vulnerable to injury, but younger children and older adults are particularly at risk. Of the more common injuries, pedestrians in Kentucky frequently experience:

  • Head injuries – When a pedestrian is hit by a car, they may experience traumatic brain injuries (TBIs), concussions, or other head injuries.
  • Spinal cord injuries – If a vehicle strikes a pedestrian’s back or neck, it can result in spinal cord injuries that may cause paralysis or long-term disabilities.
  • Broken bones – Pedestrians often suffer broken bones, such as fractures in their arms, legs, or hips, as a result of the impact from a collision.
  • Internal injuries – Collisions with vehicles can cause harm to internal organs like the liver, spleen, or kidneys, leading to internal injuries.
  • Cuts and bruises – Pedestrians involved in accidents can sustain cuts, bruises, and scrapes when they are thrown onto the ground or hit by a vehicle.
  • Emotional trauma – Pedestrian accidents can also have a significant emotional impact on victims, causing feelings of anxiety, depression, or post-traumatic stress disorder (PTSD).

All of these injuries can add up, both physically and financially. Worse yet, many pedestrians in Kentucky experience multiple injuries from an accident. Despite this fact, there are ways that you can reduce the chance of injury or even being invovled in one of these devastating accidents.

Can You Reduce The Chance That You’ll Be Involved in a Kentucky Pedestrian Accident?

In Kentucky, pedestrian accidents can happen due to various circumstances. However, you might be curious about prevention measures. While there is no way to totally prevent being involved in an accident, there are certain ways that you can at least reduce the chances that you’ll be involved. Usually, this involves taking the following steps:

  • Make sure to establish eye contact with drivers before crossing the road.
  • Exercise extra caution, especially at night when most crosswalk accidents occur.
  • Enhance your visibility by using your phone’s flashlight or wearing reflective clothing.
  • Follow traffic signals and the walk/wait crosswalk indicator.
  • Avoid consuming alcohol or drugs when walking to stay alert and focused.

One of the most frustrating things about pedestrian accidents is that no matter how careful you are, you can’t account for the actions of the person driving the car. Indeed, most pedestrian accidents happen because drivers are:

  • Distracted
  • Speeding
  • Intoxicated
  • Unable to see the pedestrian
  • Not following traffic laws or speed limits

Furthermore, certain parts of Kentucky may have roads or intersections that are not well-designed, making it hard for drivers to see pedestrians or for pedestrians to cross safely.

It’s important to know these causes, but as a pedestrian, you should still be cautious and use designated crossing areas. Stay alert, especially in busier areas of the state. However, even if you take these precautions, accidents can still happen. When they do, it’s important to know what your options are.

Legal Options For Kentucky Pedestrian Accident Victims

In Kentucky, if you’ve been injured in a pedestrian accident, you can seek compensation by filing a claim for damages. This typically involves both an insurance claim and a lawsuit.

  • Filing an insurance claim – You start by submitting a claim to the responsible party’s insurance company. They will conduct their own investigation and offer a settlement. It’s important to have our experienced team on your side to strengthen your claim and negotiate a fair settlement.
  • Filing a lawsuit – If the insurance settlement is not satisfactory, you can file a personal injury lawsuit. Our lawyers will help you with the legal process, including filing the complaint and representing you in court. The lawsuit involves exchanging evidence with the other party, and if it doesn’t settle, it goes to trial where a judge and jury determine the final settlement amount. The goal is to recover damages for medical expenses, lost wages, emotional distress, pain and suffering, and other costs.

Will Homeowner’s Insurance Cover Expenses?

It’s extremely important to understand that in some pedestrian accidents, you may not have the opportunity to file a claim against the person or entity that’s responsible. Most of the time, this happens when there’s a hit-and-run situation.

While unfortunate and frustrating, you still have the ability to call on other insurance policies to take care of your injuries. Depending on what policies and coverage you have, you can try using:

  • Uninsured motorist (UM) coverage – This is an additional policy you can choose that helps cover damages when you’re in an accident with an uninsured driver or can’t find the at-fault driver. It’s especially helpful in hit-and-run cases.
  • Homeowner’s or renter’s insurance – Your existing homeowner’s or renter’s insurance may cover property damage, such as damage to things like your phone or anything else you had on you at the time of the accident. Unfortunately, these policies typically don’t cover your medical expenses.
  • Health insurance – Most likely, you’ll need medical treatment for your injuries. You can use your health insurance to cover the costs of doctor’s visits, medication, and physical therapy associated with the accident.

Keep in mind that the process of filing a lawsuit for a pedestrian accident in Ventura may vary depending on your specific case. Our team will guide you through the process and provide support along the way.

Experienced Legal Guidance From Kentucky Pedestrian Accident Lawyers

Getting injured in a pedestrian accident can be a scary and life-changing experience. Our experienced and dedicated Kentucky pedestrian accident lawyers at Kaufman & Stigger, PLLC understand the impact this can have on you and your loved ones.

Through our experience and dedication, we are known for achieving excellent outcomes for our clients and will work tirelessly to get you the compensation you deserve. If you have been injured in a pedestrian accident, contact us today for a free initial consultation.

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