AVENUES FOR PEDESTRIAN LEGAL RECOVERY: I do not have auto insurance because I do not own a car, or I walk or take public transportation; if I get hit by a car as a pedestrian, what will happen?

If you have no auto insurance and you are hit by a car as a pedestrian or bicyclist, then the first item of possibly recovery you would look to is the auto insurance of the at-fault party.  You want to not only make sure the at-fault party has insurance, but plenty of it to cover for your particular injuries.  If you get a positive response to this first inquiry, you are generally home free in terms of potential coverage for an eventual injury settlement. 

However, the issue gets ugly if the at-fault party had no insurance, or not enough insurance.  If this happens, you will need to ask your injury lawyer what plans he or she has in possibly investigating the at-fault party under what is called "an asset and property search."  So if you find yourself in the predicament, not having your own auto insurance (uninsured or underinsured motorist coverage), you really want to make sure you at least have private health insurance to cover for your medicals in case the at-fault party has no assets or insurance to go after.