Florida is a No Fault state which means everyone who owns a car registered in Florida is required to carry no fault insurance. And part of this insurance, is $10,000 in PIP (Personal Injury Protection), which is the medical part of your policy that pays for your medical care in the event of an accident. Even though the other person may have been at fault, your insurance will pay the first $10,000.
PIP protects you as a pedestrian if you were hit by a car. This means if you are hit by a negligent driver, your own no fault insurance will provide the first $10,000 of your medical care. If you don't own a car but you live with a family member who does own a car, their no fault insurance can cover you. And, if neither one of these apply, the no fault on the vehicle that struck you will provide the PIP benefits for your medical bills. If your bills exceed all the no fault then your own health insurance would start to kick in.