Welcome to Florida! First of all, Florida has the highest percentage of uninsured motorists. This means
that you could be hurt by someone without bodily injury coverage. This will result in having high unpaid
bills from your hospital visit. Talk to your insurance agent about bodily injury coverage and why you
should purchase uninsured motorist coverage.
When you are walking and hit by a car, the insurer for the car owner as well as the insurer for the driver owe you reimbursement for medical bills, wage loss, and suffering. If you do not have insurance, the insurer for the car must still provide “personal injury protection” insurance which will pay 80% of your medical bills and 60% of your wage loss up to $10,000.00.
The State of Florida publishes rules for pedestrians as well as vehicles near pedestrians at https://www.flhsmv.gov/resources/handbooks-manuals . The insurer will insist on a recorded statement. It is our recommendation that you talk with a lawyer so you know how the insurer may try to twist your words. Call Howell & Thornhill P.A., for a free consultation. We got this.