What if I was hit while riding my bicycle?

PIP applies. If you or a resident relative owns an insured vehicle, that PIP generally covers you as a cyclist struck by a motor vehicle. The 14-day deadline applies, so see a provider promptly.

Cyclists have road rights. A person on a bicycle generally has the rights and duties of a driver, and Florida law requires motorists passing a cyclist to allow a specified minimum distance — with additional requirements where the lane is too narrow to pass safely within it.

Common driver conduct at issue: passing too closely, right hooks at intersections and driveways, failing to yield when turning across a bike lane, and dooring.

The bias problem. Expect arguments about whether you were visible, whether you had lights at night, whether you were wearing a helmet, and whether you were in the correct position. Florida has helmet requirements for younger riders; for adults it isn't required but will be raised.

Preserve the bicycle. Its damage is evidence of the impact mechanism, and people repair or discard it.