Practice areas / Pedestrian and bicycle
Pedestrian and bicycle injury claims
crosswalks, bike lanes and the drivers who miss them
People hit while walking or cycling may have access to PIP benefits through the involved driver's policy or a household policy, even though they were not in a car.
Available coverage depends on the facts and the policies involved. Early investigation should identify every possible source.
What Florida law actually says
PIP follows people, not just cars. A pedestrian or cyclist struck by a vehicle can draw no-fault benefits through a policy in their household, or the striking vehicle's policy if they have none.
Drivers owe pedestrians and cyclists ordinary care everywhere, not only at crosswalks. Crossing outside one reduces a claim by a percentage. It rarely ends one.
When the road design itself contributed, the claim may run against a government entity, which changes the notice rules and the deadlines immediately.
What gets secured first
Signal timing, sight lines and the crossing's configuration, photographed before anything about the intersection changes
A fast video canvass of every business and doorbell facing the roadway
The driver's phone records, because distraction is provable and it is frequently the actual cause
Which policies reach you: household PIP, the driver's coverage, and UM most cyclists never think to check
Asked in the first phone call
I was hit outside a crosswalk.
Usually still a claim. Comparative fault means crossing mid-block is an argument about percentage, not a bar. Drivers owe you attention wherever you are.
It was a hit and run.
Your own uninsured motorist coverage, or a household policy's, can answer for a driver who was never found. It is one of the most valuable things UM does.
Nothing on this site is legal advice. The deadlines and standards described here are general, they have exceptions, and they change. Florida rewrote several of them in 2023. Do not use this site to calculate your own deadline.