Pedestrian hit by car If you were a pedestrian hit by a car, the first three steps are the ones above. If you own a car, your insurance pays your bills. If you don't have a car, does any family member that you live with? If not, there is a special remedy for you. The State of New Jersey maintains a special fund called the New Jersey Property Liability Guaranty Association ("NJPLIGA"). If you are a pedestrian hit by a motor vehicle and you have no insurance in your household, the NJPLIGA is responsible for your bills. It is recommended you consult an experienced attorney to help process the application. Also, if you are a pedestrian hit by a car that flees the scene, the same analysis applies. If you have no car in your household the NJPLIGA would be responsible for your medical bills. Source: http://www.hg.org/article.asp?id=18995