Does my own auto insurance cover me if I’m hit while biking on Okeechobee Boulevard?

Yes, if you have Florida Personal Injury Protection (PIP) on your auto policy, it typically provides primary coverage for your medical bills after a bicycle accident. Because Florida is a “no-fault” state, your own PIP often covers the first 80% of medical expenses and 60% of lost wages, up to $10,000, regardless of who caused the crash. If your injuries are “permanent” or exceed these limits, a West Palm Beach bicycle accident lawyer can review whether a claim against the at-fault driver’s liability insurance may be worth pursuing.