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Customer Help & Support
What happens if I hit a pedestrian or cyclist with my car?
This depends 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.
Have other questions about your auto insurance? Customers can review their policy and more, 24 hours a day, 7 days a week, via our online self-service tool – click here to get started.
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