A person on foot has nothing between them and a vehicle — no seatbelt, no airbags, no metal frame. In a crash, the body absorbs the impact directly and is often thrown, which is why pedestrian crashes so frequently cause head injuries, fractures, spinal harm, and internal injuries.
Because the injuries are often serious, treatment can be long and expensive, and the lasting effects — surgeries, rehabilitation, permanent limitations, and lost earning capacity — can be significant. A claim should account for that full arc, not just the initial emergency care.
This is also why settling too early is risky. Until the medical picture is clear, no one can fairly value the claim, and a quick offer often falls far short of the real, long-term cost.