You’ve just been injured in a bicycle accident and are worried about the costs of the medical bills and who is going to take care of them. In Florida, no-fault insurance, also known as Personal Injury Protection, or PIP will pay your bills.
Personal Injury Protection (PIP)
PIP pays for medical expenses and lost earnings, regardless of who was at fault in any accident involving a motor vehicle. No-Fault applies when a cyclist is hit by a car and it can also be applied if the cyclist just had an accident not involving a car. Even if a cyclist is entirely at fault for the accident, no-fault benefits may be paid.
Sources of No-Fault Coverage:
- If you own a car and have it insured, your own no-fault coverage is primary and will cover roughly 80% of your medical bills and 60% of your lost wages, based on your average weekly pay, when you are injured in a bicycle accident. This is because no-fault coverage follows the policy holder, even in the case of a car injuring a bicyclist or pedestrian.
- If you don’t have your own no-fault coverage but live with a family member who does, their no-fault insurance may cover you.
- The insurance of the driver who caused the accident can also cover you.
Learn how you can better protect yourself in case of a accident by ordering your free copy of the Florida Bicycle Accident Book by calling our office. If you have been hurt in a Florida bicycle accident and are ready to set up a free consultation for your case, contact Jim Dodson Law online or call 888-207-0905.