What type of coverage applies to a pedestrian who is struck while crossing the street?

Medical payments coverage is specifically designed to provide financial assistance for medical expenses incurred by individuals injured in an accident, regardless of who is at fault. This includes pedestrians who are struck by vehicles while crossing the street. The coverage can help pay for emergency medical treatment, hospital stays, surgeries, and other necessary medical care for the injured pedestrian.

Comprehensive insurance typically covers damage to a vehicle from non-collision events, such as theft or natural disasters, rather than providing benefits for pedestrian injuries. Liability coverage protects the insured from claims if they are found responsible for injuring another person, but it does not directly cover medical expenses for injured parties. Uninsured motorist coverage is meant to protect the insured in the event they are injured by a driver who does not have insurance, but it does not apply specifically to pedestrians unless they are also covered as a result of an accident involving an uninsured driver.

Therefore, medical payments coverage is the most appropriate choice for addressing the medical needs of a pedestrian injured in a traffic accident.