Yes, PIP covers you — even on foot

Here's the part that surprises people: Florida's no-fault system follows you out of the car. If you're struck as a pedestrian, your own auto policy's PIP coverage pays your initial medical bills. No car insurance of your own? A resident relative's policy may cover you. If neither exists, the striking driver's PIP applies.

The 14-day rule applies here too — get medical care within two weeks of the crash or risk losing those benefits.

Fault is not automatic — in either direction

Drivers must exercise due care to avoid pedestrians, and Florida Statute § 316.130 requires vehicles to yield at crosswalks. But pedestrians have duties as well, and insurers lean hard on them: crossing mid-block, dark clothing at night, walking against a signal. Under Florida's comparative negligence rules, every percentage point of fault they pin on you reduces your recovery — and past 50%, eliminates it.

Serious injuries usually clear Florida's injury threshold, opening the door to full damages from the at-fault driver: medical care, lost income, and pain and suffering.

Building a pedestrian case

The evidence that decides these cases tends to vanish quickly:

• Crosswalk signal timing and intersection camera footage
• Vehicle damage patterns showing point and speed of impact
• Witness accounts from other pedestrians and drivers
• Lighting and road conditions documented before they change

Get help without adding stress

Recovering from being hit by a car is hard enough without fighting insurers from a hospital bed. CrashAid's referral service is built for exactly this: one short form or chat conversation, and we match you with a vetted Florida attorney suited to pedestrian cases — at no cost to you, ever.