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

Medical payments coverage is the correct choice for a pedestrian who is struck while crossing the street because this type of insurance is designed to cover medical expenses incurred due to injuries sustained in an accident, regardless of who is at fault. This means that if a pedestrian is hit by a vehicle, medical payments coverage can help pay for hospital bills, doctor visits, and other related medical expenses, providing immediate financial support to the injured person.

While comprehensive insurance generally covers non-collision-related incidents like theft or weather-related damage to a vehicle, it does not apply in this scenario as it does not provide coverage for personal injuries sustained by a pedestrian. Liability coverage primarily protects the insured driver from claims filed against them for injuries or damages they may have caused to others, which would not directly benefit the pedestrian in terms of immediate medical expenses. Uninsured motorist coverage is intended to protect the insured in the event they are involved in an accident with a driver who does not have insurance, but it does not directly address medical costs for a pedestrian injured by any vehicle, whether insured or not.