If you are hit while crossing the street, which insurer should you go to?

When considering the scenario of being hit while crossing the street, the appropriate action is to go to your own car insurance provider. This is based on the principle of "first-party" coverage, which allows individuals who are injured to seek compensation through their own insurance regardless of fault.

In many jurisdictions, this is a common practice as it streamlines the claims process, enabling quicker access to benefits for medical expenses, rehabilitation, and lost wages. Your own insurer can help cover these costs while the situation is assessed, making it a practical choice when immediate care and coverage are needed following an accident.

The involvement of the at-fault driver’s insurer generally comes later, often during negotiations for compensation, but for immediate needs, it is beneficial to utilize your own insurance. These systems are designed to protect individuals by providing timely support in situations like these, illustrating the importance of first-party coverage in automobile insurance policies.