What Happens if a Florida Pedestrian is Hit By Someone Without Insurance? How Do the No-Fault Laws Fit Into the Situation?

The Driver had no Insurance

If you were the victim of an accident in Florida and were hit by an uninsured driver while walking, your own automobile insurance may cover the damages you have suffered, but only if you have Uninsured Motorist (UM) coverage. Your own insurance company may cover your medical expenses, permanent disability, and lost wages.

Every car registered in Florida is required to have No Fault/Personal Injury Protection (PIP) insurance. This helps protect everyone on the roads in the event of an accident. Unfortunately, it only provides up to $10,000 for medical expenses and wages lost if you have been injured as a pedestrian.

The Driver Left the Accident Scene

If the driver fled the scene of your pedestrian accident and you are injured with PIP, your own insurer must pay for your medical expenses and disability. It doesn’t matter who caused the accident. As long as you can prove you suffered a permanent injury, scarring, or loss of bodily function, you will be eligible for compensation.

If you carry uninsured motorist coverage in Florida (which is a voluntary, but highly recommended coverage) and are struck in a hit and run pedestrian accident or by an uninsured motorist, you may recover money from your UM coverage. Survivors of a deceased victim may also be eligible to recover for their loss as well.

A case involving the injury or death of a pedestrian caused by an uninsured or hit and run driver is best handled by an attorney with experience representing victims against their own insurance companies. Rest assured, we understand how to recover for your losses after a pedestrian crash causing injury, or even worse, a loved one’s death.

Have You Been Injured In A Pedestrian Accident?

If you've been hurt in a pedestrian accident you should speak with an experienced personal injury attorney as soon as possible. Contact us online or call our office directly at 727.446.0840 to schedule your free consultation.

Just pick up the phone and call us today to discuss your case. There is never a charge to discuss what can be done. If you prefer, tell us what happened by filling out the contact form.

Jim Dodson
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A Florida injury lawyer, family man and avid cyclist who clients have trusted for over 25 years.