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Pedestrian Accident Settlement Calculator
If a car hit you while you were walking, the driver's liability insurance usually pays your claim. In no-fault states, personal injury protection (PIP) may pay your medical bills first, even if you do not own a car. This calculator applies your state's rules.
- All 50 states + DC
- Verified 2026-11-13
- Free · nothing stored
What makes a pedestrian accident claim different
Who paysThe at-fault driver's bodily injury coverage is the main source. Your own auto policy's uninsured/underinsured motorist coverage may also apply to you as a pedestrian.
PIP can cover pedestriansIn many no-fault states, pedestrians struck by a vehicle can claim PIP benefits from their own policy or the vehicle's policy. Use the PIP field if this applies.
Shared fault argumentsInsurers may argue a pedestrian crossed mid-block or against a signal. Washington, D.C. has a special rule: pedestrians and cyclists are barred only if more than 50% at fault, even though D.C. otherwise uses contributory negligence.
Rules in your state
Your state's fault rule and lawsuit deadline apply to pedestrian accident claims. Pick your state for its rules and official sources, or compare fault rules and deadlines across all states.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Frequently asked questions
- Who pays if a car hits a pedestrian?
- Usually the driver's liability insurer. In no-fault states, PIP may pay medical bills first. If the driver is uninsured or underinsured, your own UM/UIM coverage may help.
- Can a pedestrian be at fault?
- Yes. Depending on your state's fault rule, a pedestrian's share of fault can reduce or bar recovery.