You’re injured when struck by a motor vehicle. Your auto policy covers you as a pedestrian for medical payments and possibly un(der)insured motorists and/or PIP coverage. Does “pedestrian” status limit you to coverage only if you’re on foot? What about being in a wheel chair? Skateboard? Roller skates? Bicycle? What if you’re sitting down or standing but not walking? Are you a pedestrian?
The “answers” to these questions can be found in my April Insurance Journal article.
If you would like to add your opinion to the article, on the web page above, just click the “Comments” tab.
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Bill Wilson
Founder at InsuranceCommentary.com
One of the premier insurance educators in America on form, coverage, and technical issues; Founder and director of the Big “I” Virtual University; Retired Assoc. VP of Education and Research from Independent Insurance Agents & Brokers of America.
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One of the few situations where I can say “hoorah” for Massachusetts … not only do we have the law that Bill mentioned …we decided to put it IN the policy to save everyone the trouble of scrounging through our laws.
We didn’t leave it just to the “law” either as to what a pedestrian is …we made it a definition in our MA personal auto policy
10. Pedestrian – includes anyone incurring bodily injury as a result of being struck by an auto in an accident and who is not occupying an auto at the time of the accident.
We also added it to our mandatory endorsement to the ISO BAP
In the MM 99 11 under PIP we define pedestrian
2. “Pedestrian” includes anyone incurring injury as a result of being struck by an auto in an accident and who is not occupying an auto at the time of the accident.