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

We editors at FC&S react much the same way. When asked to view the pedestrian-hit question from a less common perspective, we had to read it twice. An FC&S subscriber asked, “If the insured vehicle strikes a pedestrian, would the damage to the vehicle be covered by collision or ‘other than collision’ under the insured’s auto policy?”

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