You were crossing at a corner on the way home, or walking the kids back from a friend's house as the light went, or stepping out of a parking lot at the end of the day. The driver didn't see you. You weren't in a car at all, and now you're the one dealing with insurance.
A pedestrian hit by a vehicle on Prince Edward Island can claim Section B accident benefits for treatment and lost income, whether or not they own a car. Call 911 if you're hurt, get assessed the same day, tell an insurer within 30 days, and start a dated record of your symptoms that day.
Being on foot doesn't put you outside the system. It puts you at the centre of it, because you had nothing around you when it happened.
Is a pedestrian covered after being hit by a car on PEI?
Yes. Every PEI auto policy includes Section B accident benefits, and they cover a person on foot who is struck by the insured vehicle. They don't depend on who caused the crash, and you don't need to own a car or hold a licence.
Section B pays up to $50,000 for medical and rehabilitation costs within four years of the crash. If you were working and your injury keeps you from your job, it can also pay 80 percent of your gross weekly income, to a maximum of $250 a week.
Why are November evenings the riskiest time to be on foot on PEI?
Because the walk home moves into the dark overnight. In Charlottetown, the sun sets at 5:59 p.m. on Halloween. Two days later, after the clocks go back on Sunday 1 November, it sets at 4:56 p.m., and it stays before 5 p.m. every day until about 20 January.
On a small Island, every loss is felt. In 2024, 22 people died in collisions on PEI roads, and 3 of them were pedestrians, according to the province's Department of Transportation and Infrastructure.
Out trick-or-treating? If a child is hit by a car
Halloween falls in the riskiest stretch of the year for children on foot. Across Canada, more children under 15 are hurt as pedestrians in October than in any other month, with November close behind, and nearly a quarter are hurt in those two months, according to Transport Canada collision data for 2021 to 2023. This year Halloween falls on a Saturday, the night before the clocks go back, so trick-or-treaters will share the streets with Saturday-night party traffic. If the worst happens, here is what to do.
Call 911 and stay with your child. Any collision where someone is hurt has to be reported to police, even if the driver says it was nothing.
Get your child checked the same day. Children often can't describe what hurts, and a fall onto pavement can hide an injury that shows up later. Tell the doctor your child was hit by a vehicle.
Be the one who keeps the record. Write down what your child said, how they slept, any change in mood or behaviour, and every school day missed. The record you keep is what shows how the weeks went. Our article on what families should write down goes further.
Send the claim forms on time. Children are covered by Section B like anyone else hurt by a vehicle. A child has longer to sue, but the Section B notice is still due within 30 days.
Whose insurance does a pedestrian claim through on PEI?
Section B can come from two places: your own auto policy, or one you're covered under at home as a spouse or dependent relative, and the policy of the vehicle that hit you. You can recover only one benefit in total, so tell both insurers what happened, and write down who you spoke to and when.
If the driver left the scene, report it to police within 24 hours and give your insurer written notice within 30 days. If no policy applies, a claim can be made through the Facility Association.
If you were working when you were hit, tell your employer and the WCB right away. You'll choose between WCB compensation and suing the driver, and the WCB needs your choice within six months.
The Prince Edward Island MVA Companion Guide sets out who to contact, along with the forms and the deadlines.
Does it matter who was at fault?
Not for Section B. Those benefits pay for your treatment whoever caused the crash.
Fault matters for a separate claim against the driver, for losses beyond what Section B covers. That claim generally has to start within two years. For a sprain, strain or whiplash that counts as a minor injury, the amount for pain and suffering is capped at $9,659 in 2026. Our article on the minor injury cap on PEI explains how it works.
Why do pedestrian injuries need extra care?
Because there's nothing between you and the vehicle. No seatbelt, no airbag, no frame. Even a slow impact can mean a fall onto pavement, a head injury or a knee or hip that takes the full force.
Adrenaline hides a lot at the scene. Many people stand up, say they're fine and walk home, then wake up the next morning unable to move. Our article on why car accident injuries sometimes appear days later explains why, and why the date a symptom first appears matters so much.
What should you do in the first week?
Four things, in this order.
Get assessed, even if you feel alright. Tell the doctor you were hit by a vehicle while walking, and describe every symptom, including the small ones. Follow the treatment your doctor recommends, because on PEI, not following reasonable treatment advice can count against you when your injury is assessed in a claim.
Make sure police know. If you're hurt, call 911. In Charlottetown, police come to the scene when someone is taken to hospital. If they didn't come, call Charlottetown Police at 902-629-4172, Summerside Police at 902-432-1201, or the RCMP at 902-566-7112 elsewhere on the Island. In Charlottetown, the Collision Reporting Centre at 1 Queen Street is open weekdays from 9 a.m. to 5 p.m.
Tell an insurer. Give written notice of your Section B claim within 30 days, and proof of claim within 90 days. Our article on PEI Section B deadlines lists every date.
Start writing things down. Nobody else records the days between appointments. That part is yours.
What are you allowed to do?
You are allowed to make a claim even though you weren't in a vehicle.
You are allowed to see a doctor days later and say the pain arrived after the crash rather than at it.
You are allowed to say you're afraid to cross that street now, and to have that written into your file alongside the physical injuries.
You are allowed to change your route home, or wait for daylight, while you recover.
You are allowed to ask a family member to keep notes for you if writing is hard right now.
What should you record after being hit while walking?
| What to record | Why it helps |
|---|---|
| Where you were, which way you were walking and the light and weather | Sets out how it happened while your memory is clear |
| The vehicle, the driver's details and any witnesses | Hard to find again later, easy to note on day one |
| Your police or Collision Reporting Centre file number and the dates you notified each insurer | The insurers and later forms will ask for them |
| Every symptom and the date it first appeared | Connects each injury to the collision |
| Every appointment and the treatment advice you were given | Shows you followed the plan and kept treatment running |
| What you couldn't do that week that you could do before | Turns the injury into something another person can measure |
The National MVA Recovery Guide is built for anyone hurt in a collision, whether you were driving, riding or walking. It gives every symptom a date and every appointment a page.
Keep your recovery in one place
The National MVA Recovery Guide holds your whole recovery. The Prince Edward Island MVA Companion Guide adds the insurer, the forms and the deadlines on PEI.
Why use Hurt Square?
Because a pedestrian's injuries are often more serious, and the details of the day are hard to rebuild later. Hurt Square guides give you one place to keep it all.
- The day it happened, and every day after. The National MVA Recovery Guide has space for the first hours after your accident, daily pain and symptom tracking, every appointment and every expense, for anyone hurt by a vehicle.
- The Island's rules, in plain words. The Prince Edward Island MVA Companion Guide holds the Section B deadlines, forms and insurer routes on PEI.
- Made for hard days. 192 pages and more than 1,600 fillable fields that work on your phone, tablet or computer, in plain language.
Both guides, $39 until 22 November. The National MVA Recovery Guide and the Prince Edward Island MVA Companion Guide, with the discount applied at checkout. Bought separately: $63.99.
Get both guidesRead next
- “Who Pays for My Treatment?” | How the PEI Auto Insurance System Works After a Crash
- Recovering After a Car Accident in Prince Edward Island: A Complete Guide
- “I Got the Call About My Teen!” | Your Teen Was in a Car Accident: What Families Should Write Down
- “I Felt Fine. Now I Hurt!” | Why Car Accident Injuries Sometimes Appear Days Later
Last verified 25 October 2026. Section B amounts and deadlines from the PEI standard owner's policy; hit-and-run steps from the Uninsured Automobile and Unidentified Automobile Coverage Regulations; the 2026 minor injury cap from Superintendent of Insurance Bulletin 2026-001; the duty to follow reasonable treatment from the 2014 Insurance Act amendments; WCB rules from the Workers Compensation Act; police reporting and the Collision Reporting Centre from Charlottetown Police Services; police contacts from Summerside Police and the RCMP; 2024 road deaths from the Department of Transportation and Infrastructure; child pedestrian figures from Transport Canada's National Collision Database, 2021 to 2023; sun times calculated for Charlottetown. This article is general information for people on Prince Edward Island. It is not medical, legal or insurance advice.
