Utter the phrase, “pedestrian hit” to most adjusters, and itwill conjure up thoughts of hospital bills, assessments ofnegligence, and injury settlements — to name but a few.

We editors at FC&S react much the same way. Whenasked to view the pedestrian-hit question from a less commonperspective, we had to read it twice. An FC&Ssubscriber asked, “If the insured vehicle strikes a pedestrian,would the damage to the vehicle be covered by collision or 'otherthan collision' under the insured's auto policy?”

So here we were not to be concerned at all about the pedestrian(at least in terms of insurance coverage — we are not heartless),but rather solely about the damage inflicted by the strikingvehicle. This was a new one for me, so I looked to the law forguidance. What I found was a dearth of case law relating to thisspecific scenario, though the few decisions that do exist seem tolean quite comfortably in one direction. One of those is McKayv. State Farm Mutual Automobile Insurance Co., 933 F. Supp635, (S.D.Tex., 1995).