Does Auto Insurance Cover Bicycle Accidents in Florida

Auto Insurance Coverage When a Cyclist Is Hit in Florida (Video)

In the video above, Stephanie Fenstersheib from Fenstersheib Law Group explains how auto insurance coverage can apply when a cyclist is hit by a vehicle in Florida. Many people assume that if they’re not behind the wheel, their car insurance won’t help them — but in Florida, that’s not always the case. Understanding which insurance applies after a bicycle accident can make all the difference in how quickly and fully you recover compensation for your injuries.

Florida is a no-fault insurance state, meaning your Personal Injury Protection (PIP) coverage applies first — even if you were on a bicycle when the accident occurred. If you own a car and carry PIP, that coverage can help pay for your medical expenses and other immediate costs after a crash. But if you don’t have auto insurance, you may still be able to use the driver’s PIP coverage instead.

Beyond PIP, additional compensation may be available through the at-fault driver’s Bodily Injury Liability (BIL) insurance — if they have it. This can help cover medical expenses, lost income, and pain and suffering that exceed PIP limits. And if the driver who hit you doesn’t have insurance or enough coverage, you may still be protected by your own Uninsured/Underinsured Motorist (UM/UIM) policy.

Because every bicycle accident claim is different, and the insurance rules can get complicated, it’s critical to have an experienced attorney on your side. Insurance companies often try to minimize or deny legitimate claims, especially when the injured person doesn’t fully understand the coverage available to them.

At Fenstersheib Law Group, our legal team will review every policy involved, identify all possible sources of compensation, and fight to ensure you receive the maximum recovery for your injuries.

🚴‍♂️ If you’ve been injured in a bicycle accident in Florida, don’t face the insurance companies alone. Call Fenstersheib Law Group today or visit TellFLG.com for a free consultation. We’ll protect your rights and help you get the justice and compensation you deserve.