Does PIP Cover Injuries for Non-Motorists Involved in Accidents?

Florida in the springtime. The sun is shining, people are out and about – it’s easy to get distracted by this beautiful weather. But sometimes, distractions can lead to accidents. If you were a non-motorist involved in an accident, what are your rights? Impact Medical of St. Petersburg takes a closer look at what pedestrians and cyclists should know.

Florida is one of the twelve states, in fact, the largest, that require Personal Injury Protection (PIP). Because Florida mandates PIP, it is also a no-fault state, which means the insurance provider is required to cover the costs of the policyholder’s injuries in an automobile accident, regardless of who is at fault. All Floridian drivers are required to have PIP insurance of $10,000 which helps cover both drivers and passengers in the event of an accident. This standard form of car insurance covers common expenses after a car accident occurs, regardless of who is responsible. Generally, it is used to pay for medical bills, legal fees, lost wages, and other critical expenses of those involved. However, it’s important to note that PIP does not cover costs associated with ambulance services, diagnostic and/or surgical procedures, medication, or rehab costs.

If you were a non-motorist or a pedestrian in the accident, are you covered by PIP? In most cases, yes. As an individual injured in a motor vehicle accident, your PIP insurance should allow you the medical care you need for recovery. As stated by Florida Statutes, insurers will pay PIP benefits if you were struck by a motor vehicle and suffer any bodily injury but will not if you were an occupant in a self-propelled vehicle.

Additionally, Florida legislation states that you only have two weeks to seek treatment for accident injuries for PIP claims to be eligible. A serious injury like whiplash may not show up immediately so it’s important to see medical treatment as soon as possible. At Impact Medical of St. Petersburg, we understand that the care you receive after an accident is vital, even as a non-motorist.

If you’re experiencing pain from an auto accident, call (727) 722-8103 or send a message to speak with the team at Impact Medical Group in St. Petersburg. Our team of professionals will evaluate and treat your injuries with a customized care plan that will fit your needs.