Yes, if the injured pedestrian has car insurance, or lives with someone who has car insurance, they are entitled to Personal Injury Protection (PIP) coverage. PIP coverage serves as the primary insurance for the injured pedestrian’s first $10,000 of medical bills, per No-Fault laws.
In Florida, injured individuals using PIP coverage must seek medical treatment within 14 days of their accident. If treatment is not initiated within this 14 day timeframe, the injured pedestrian may forfeit their right to PIP coverage, which can negatively impact their recovery costs.
Additionally, if the injured pedestrian has Underinsured/Uninsured Motorist (UM) coverage on their auto insurance policy, or if they live with someone who has UM on their auto insurance policy, the injured pedestrian may be entitled to additional insurance coverage that can provide them with compensation for their injuries, pain, and suffering. UM coverage can apply when the pedestrian was struck by someone who did not have coverage (they were uninsured), or does not have enough coverage (they were underinsured).
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