Car Insurance Legal Cover while a Pedestrian

BACKTOBACK

I have a comprehensive car insurance policy with Hastings which includes legal cover. My car was parked at home and i was walking as a pedestrian and hit by a car at high speed. I suffered severe injuries. I called Hastings and was initially told that as i was not in the insured vehicle then it was not covered. So i went to another Solicitor and have signed a no win no fee deal.
But I have read the policy from Hastings and it says 

Legal costs up to £100,000 for certain types of disputes resulting from a road traffic accident

What is covered: This policy covers legal costs up to a maximum of

£100,000 to recover losses not covered by your motor insurance

and to pursue compensation for personal injury if you are involved in

a road traffic accident that is not your fault. Damages will be

claimed against those whose negligence caused the road traffic

accident. Cover is also provided for legal costs to defend

prosecutions arising from a motoring offence

There is no mention of me having to be inside the vehicle named on the insurance documents.

I have tried to call Hastings again and now being told that its too late because i have approached a different solicitor.

Does anyone know if i should be insured for legal expenses as i pedestrian hit by a car?
Or would it be only if i was inside the insured vehicle as Hastings originally said?

user1977

"Road traffic accident" is in bold in the policy which means it's a defined term. They define it as "A road traffic accident in the countries listed in territorial limits involving the vehicle during the insured period which is not your fault and for which another known insured party is at fault", and "vehicle" here means the vehicle insured by the policy.

So no, it wouldn't have covered your claim.

HampshireH

Your car insurance is just that insurance for incidents accidents and occurrences involving the insured car.

Nothing in what you have quoted indicates it would cover anything else

Your route is criminal / civil prosecution 

Aretnap

Do you have legal expenses cover on your home insurance? That would generally cover claims for personal injury resulting from an incident which didn't involve you being in a car.

DullGreyGuy

BACKTOBACK said:

I have a comprehensive car insurance policy with Hastings which includes legal cover. My car was parked at home and i was walking as a pedestrian and hit by a car at high speed. I suffered severe injuries. I called Hastings and was initially told that as i was not in the insured vehicle then it was not covered. So i went to another Solicitor and have signed a no win no fee deal.
But I have read the policy from Hastings and it says 

Legal costs up to £100,000 for certain types of disputes resulting from a road traffic accident

What is covered: This policy covers legal costs up to a maximum of

£100,000 to recover losses not covered by your motor insurance

and to pursue compensation for personal injury if you are involved in

a road traffic accident that is not your fault. Damages will be

claimed against those whose negligence caused the road traffic

accident. Cover is also provided for legal costs to defend

prosecutions arising from a motoring offence

There is no mention of me having to be inside the vehicle named on the insurance documents.

I have tried to call Hastings again and now being told that its too late because i have approached a different solicitor.

Does anyone know if i should be insured for legal expenses as i pedestrian hit by a car?
Or would it be only if i was inside the insured vehicle as Hastings originally said?

No, LE cover only covers an accident involving your vehicle. Even if you were driving a third party car under the Driving Other Cars extension there would be no LE cover.

A pedestrian hit will normally look to the LE cover on their Home insurance (contents or buildings if separate). If you were in a friends car then its their LE that would cover you.