Quick answer
Your role can affect available insurance and fault rules; do not assume the driver’s claim process is the only option.
Do now
Identify every involved vehicle, owner, employer if relevant, and insurer. Preserve location, signals, visibility, and witness information. Ask promptly about medical benefits and liability coverage.
Local note
DC’s vulnerable-user statute has specific coverage and fault rules. NY’s 2026 auto-law changes also need case-specific applicability review.
Official sources
DC Code § 50-2204.52, NY Legislature — CPLR 1411, NY DFS — No-Fault FAQs, NJDOBI — Auto Insurance Consumer Information.