In Florida, if you are the owner of a motor vehicle that is registered in the state, your own Personal Injury Protection (PIP) or No-Fault auto insurer may pay for your medical bills and lost wages after you are injured as a pedestrian even if the accident was not your fault.
According to Florida law, all motorists must have a minimum of $10,000 personal injury protection (PIP) insurance coverage. PIP coverage will pay for your medical expense or lost wages up to a total of $10,000.
If you have health insurance coverage, it will also contribute to your medical bills. However, your No-Fault auto insurer will be the primary responsible party up to the limits available.
Your Uninsured Motorist (UM) coverage carrier may also contribute to your medical expenses if the driver who caused your injuries doesn’t have any or enough insurance to cover your bills or if you were unable to locate the driver of a hit-and-run accident.