What Happens if a Driver Without Insurance Hit My While I was Riding My Bike?

Cyclist Riding on the RoadAlmost a quarter of Florida’s drivers are uninsured, and many others carry insufficient insurance to cover losses from a serious injury. If you have a no-fault policy on your own car or live in a household with a close family member who has it, your medical bills and some lost earnings will be covered up to $10,000 under your personal injury protection (PIP). This is a small amount unlikely to cover medical treatment and other losses from a serious injury.

Florida’s High Number of Uninsured Drivers

You would ordinarily expect to recover money from the at-fault driver’s bodily injury insurance. The sad truth is that in Florida, bodily injury insurance is optional, so there may be no coverage on that end. Almost a quarter of Florida’s drivers are completely uninsured, and many more are underinsured. That’s why it is so important to have uninsured motorist coverage on your own policy.

Protect Yourself and Your Family with Uninsured Motorist Coverage

If you have UM coverage on your own car insurance policy, it can pay your claim. UM coverage may also be available to you if you live in a household with a close family member who carries it. So if the car that caused the accident is uninsured or underinsured, you will look to your uninsured motorist coverage for a recovery if the coverage is available.

In Florida, when you purchase bodily injury insurance, it is assumed that you intended to purchase the same amount of Uninsured Motorist coverage. But you can waive your right to this valuable insurance. If your insurance company says you waived UM insurance, your lawyer should demand a copy of the waiver you signed. If they can’t produce a signed waiver, the company is legally required to cover you.

Unfortunately, many policies lack this important coverage. If you don’t have it on your policy and the driver who hit your bike is uninsured, a recovery may not be possible, unless the driver has substantial personal assets. That’s why it’s so important to include UM insurance when you purchase a policy for your car. It will cover you if you are injured while biking or walking as well as when you are driving. Everyone should check with their insurance agent to ensure they are carrying UM insurance—before an accident happens.

Learn More About Having Uninsured Motorist Insurance for Bicycle Accidents

To learn more about the importance of carrying the right insurance to ensure that you can recover compensation if you’re hit by an uninsured driver, read bike accident attorney Jim Dodson’s book, Uninsured Motorist Insurance—Don’t Leave Home Without It.

Have You Been Injured In A Bicycle Accident?

If you've been hurt in a Florida bicycle accident you should speak with an experienced bicycle injury lawyer as soon as possible. Contact us online or call our office directly at 727.446.0840 to schedule your free, no obligation consultation.

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