In most cases, the insurance company that is responsible is the company providing liability coverage for the driver of the vehicle that struck the pedestrian. This liability insurance generally covers property damage and injuries caused by the insured to others, including pedestrians. However, it's important to note the insurance coverage might vary based on the relevant policies and local laws.
In a situation where the pedestrian is at fault, the pedestrian's personal injury protection insurance (PIP) may come into play. PIP is usually included in auto insurance policies and provides coverage for medical expenses and other losses incurred by the insured person, regardless of who is at fault in an accident.
Moreover, if the accident involves multiple vehicles or other factors, including uninsured drivers or pedestrians, additional insurance policies might be involved, leading to a complex situation. In intricate scenarios like these, consulting a legal professional or the insurance companies directly is advisable for understanding the specifics of liability and available compensation.
