If you are hit by a car in Florida while riding your bicycle, your medical bills will be covered by No-Fault Insurance, also known as Personal Injury Protection or PIP. In Florida, PIP pays up to $10,000 in medical bills. This coverage will come from the policy you carried on your own car or from a policy carried by a family member with whom you resided on the date of the accident. If neither you nor a family member owned a car, then you would be covered under the PIP coverage on the car that hit you.
We get calls from injured cyclists who have PIP on their own auto policy, but who are concerned because they carry a deductible of $500 or $1,000. If you carry a deductible on your PIP coverage, your insurance company will deduct the amount of the deductible against the medical bills they receive for payment under the policy. This means if there is a $500 deductible, you will have to pay the first $500 in medical bills. You are still entitled to the full $10,000 in PIP benefits, but the first $500 will be your responsibility.
There are several ways to handle a deductible so you will not have to write a check to the doctor or hospital. Feel free to call us to talk about your concerns and how we can help.
Here are some other questions you might have about your cycling accident: