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What happens if I hit a pedestrian or cyclist with my car?
This depends on where the accident takes place.
In most provinces, the pedestrian or cyclist will make a claim under the Accidents Benefits section of your policy but in Ontario, if the pedestrian or cyclist has vehicle insurance, they would claim under that policy's Accident Benefits; if not, they would claim under yours.
If your province or territory allows, the pedestrian or cyclist may also sue you, subject to any capping or deductible for "minor" injuries.
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