Can Uninsured Motorist Coverage Protect You as a Pedestrian?
June 3, 2025
Most people think of uninsured motorist (UM) coverage as something that only applies when they’re behind the wheel. After all, it’s part of your auto insurance policy — so it must only kick in if you're in your car, right?
Not exactly.
Here in Mississippi, your UM coverage can protect you — not just your vehicle. That means even if you’re walking, jogging, or biking, and you’re hit by a negligent driver who doesn’t have insurance (or doesn’t have enough), your UM policy may step in to help cover your injuries.
How It Works
Uninsured motorist coverage is designed to help when the at-fault driver either:
- Has no insurance, or
- Has liability limits that don’t fully cover your damages (in that case, underinsured motorist coverage — UIM — may apply).
But what many don’t realize is that this protection follows the person, not just the car. That means if you’re struck as a pedestrian, you may still be entitled to UM benefits through:
- Your own auto policy, or
- A household member’s policy, if you live with them and they carry UM coverage.
A Real-World Example
Imagine this: You're walking your dog in your neighborhood when a distracted driver runs a stop sign and hits you. The driver has no insurance. You’re rushed to the ER, and the medical bills quickly start piling up. Without UM coverage, you’d be left paying those bills out of pocket.
But with UM coverage in place, your policy could cover:
- Medical bills
- Lost wages
- Pain and suffering
- Long-term disability, if applicable
Why This Matters
With the number of uninsured drivers on Mississippi roads, carrying UM/UIM coverage isn’t optional — it’s essential. And knowing that this coverage can protect you even outside your vehicle makes it even more valuable.
What Should You Do If You’re Hit?
If you’re injured in a pedestrian accident and the driver is uninsured or underinsured, don’t assume you’re out of options. Your own policy may be the key to recovering what you need.
At The Stutzman Law Firm, we’ve helped clients in situations just like this. We’ll walk you through your coverage, deal with the insurance company, and fight for the full compensation you deserve.
Call us today at (769) 208-5683 for a free consultation.
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