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Auto Insurance For Pedestrians

Attorney Brian McDonnell on Auto Insurance for PedestriansYou’re walking your dog and come to an intersection. You wait for the “walk” signal, start to cross the street and a car hits you. Like most people, you probably don’t know that your insurance policy will cover your injuries, even though you weren’t in your vehicle at the time of the accident.

Under the law, “occupying a vehicle” applies to injuries suffered while outside, adjacent to, or even some distance from a vehicle. If a vehicle hits you while you are walking, you should submit your medical bills first to your insurance company for payment under the available medical coverage. As long your injuries arose from the use or maintenance of a motor vehicle, your medical coverage should apply.

In Pennsylvania, you are required to have a minimum of $5,000 in medical coverage on your auto policy, but you can always purchase more. Review your policy and consider whether you have enough coverage should you or a family member be injured in a vehicle accident. If not, work with your insurance agent to make sure you have adequate coverage.

If you or a loved one has been injured in a car accident, contact the experienced auto accident attorneys at Hourigan, Kluger & Quinn today for a free consultation at (570) 287-3000 or at

Hourigan, Kluger & Quinn, PC is led by Attorney Joseph Quinn, one of the Top 100 trial lawyers in the nation. Seventeen lawyers strong, HKQ Law represents Personal Injury, Business Law and Personal Law clients in Lackawanna, Luzerne and surrounding northeastern PA counties for more than half a century. HKQ Law has won some of the largest verdicts and settlements in the region's history, totaling over a half billion dollars on behalf of injured clients, and was recently recognized for one of the top 20 Verdicts in Pennsylvania, 2015.

The attorneys at HKQ Law have been honored as Super Lawyers, Best Lawyers, Best Law Firms by US News and World Reports, and have received the AV Preeminent Rating by Martindale-Hubbel. Additional information can be found at or by calling (800) 760-1529.



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