Yes, your personal auto policy usually provides initial medical coverage. Under Florida Statutes § 627.736, if you own an insured motor vehicle or reside with a qualifying family member who does, your own Personal Injury Protection (PIP) pays 80 percent of necessary medical costs up to $10,000, regardless of fault. To qualify for PIP benefits, you must seek medical care within 14 days of the incident. If you do not own a vehicle or reside with an insured relative, you may claim PIP through the at-fault vehicle. The Altman Law Firm assists injured pedestrians in identifying all applicable insurance policies to pursue full compensation.
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