Does Florida PIP insurance cover a bicyclist who is struck by a motor vehicle?

Yes. Under Florida Statute § 627.736, Florida Personal Injury Protection (PIP) insurance covers bicyclists injured in motor vehicle collisions. If you own an insured vehicle, your PIP policy pays 80 percent of reasonable medical expenses and 60 percent of lost wages up to $10,000, provided you seek medical treatment within 14 days of the crash. If you do not own a vehicle, coverage may extend through a resident relative's policy or the at-fault vehicle's PIP coverage. The Altman Law Firm and Jeffrey S. Altman assist injured cyclists with insurance coordination and pursue third-party claims when bicycle accident injuries exceed statutory PIP coverage limits.