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what type of insurance (car) would cover a pedestrian being hit by my car....?

I want to know, strictly through my car insurance if i am covered in any way if i hit a pedestrian, and i want to know, if a passenger in the driver who is at faults car is hurt, what insurance covers the passenger? (so, some guy hits my car, he is at fault, and his friend is in his backseat, his friend is injured. Does his bodily injury liability cover this, or does his friends own major medical insurance cover this)

Public Comments

1. It depends what province/state you live in. If you live in a 'No-Fault' state/province then if the pedestrian has an auto insurance policy they would claim accident benefits from their policy. If not then they would claim under the policy of the vehicle that hit them. If they were in a passenger in a vehicle then they would claim under their policy or of the policy they were a passenger in. If you live in a tort state/province then your liability coverage would cover the pedestrian's or your passengers' damages assuming you are at fault. If you are in a limited tort state/province then it could be a combination of accident benefits and liability coverage that would kick in depending if the other party(s) decide to sue or not.
2. In UK any insurance which allows you to drive your car will pay if you hit a pedestrian. The case outlined is not your fault and so the insurance of the other driver pays out.
3. Your question is all over the place, but I will try and answer. The pedestrian if he has auto insurance, would file a claim for his medical bills thu his own auto insurance. The driver of the auto if they struck the pedestrian and were at fault, the drivers liability insurance would cover the pedestrian for the injuries and any pain/suffering depending on state laws where you live. Also, any passengers in the auto who are injured would be covered by the auto's medical payment and/or PIP for medical bills. If shown that the driver is at fault, then the driver's auto insurance would owe for the injuries plus pain/suffering also under liability. But in some states, if the passenger is a family member, would not get a liability settlement, only the medical bills paid for. Auto and/or PIP is primary for medical bills and major medical is secondary, which means that say for instance you have $10,000 in coverage and your bills are $15,000, the auto would pay $10,000 the limits and major medical would pay the remaining $5,000. good luck