Who covers pedestrians in a motor vehicle accident?

It’s important for pedestrians and motor vehicles to share the road together. Most Floridians fulfill one of these roles on any given day. As a pedestrian, you do your best to wear bright colors and walk in daylight to remain visible to motorists. You limit or reduce headphone use to remain as aware of your surroundings as possible.

Motor vehicle accidents involving Florida are unfortunately common. More than 6,000 pedestrians were struck by vehicles in 2019 setting a 30-year high for such accidents. True safety relies on both parties to exercise safe practices, not just the person in the crosswalk.

How the law protects the unprotected

An accident between a vehicle and a non-motorist are often most perilous for those outside the vehicle. Brain, spinal and other injuries can occur since road users like pedestrians are far more vulnerable than the motorist. These injuries can lead to costly medical bills and even affect a person’s long-term quality of life.

What you may not know is that Florida law legally requires all insurance policies’ personal injury protection (PIP) to drivers, passengers and persons around the vehicle. That includes potential pedestrians who were doing nothing more than trying to cross the street.

Even with basic insurance liability requirements of $10,000 in medical and disability and $5,000 for death benefits, you are covered as a pedestrian.

Never settle for less than you deserve

Many accident victims don’t realize what they are entitled to after an accident. A pedestrian struck by a vehicle may not realize they are legally protected by the driver’s insurance. That means you could have your medical bills, missed work and more paid for. It’s always a good idea to make sure no stone is left unturned after an accident.