If you’re hit by a car while riding a bicycle in Florida, your next steps matter. What you do in the first hours and days can affect your health, your claim, and your ability to recover compensation.
If your injuries prevent you from doing any of the steps below, that’s okay. An attorney can step in quickly to gather evidence, contact witnesses, and handle the process while you focus on recovery.
1. Ensure your safety
Bicyclists are some of the most vulnerable people on the road. In Florida, thousands of bicycle crashes happen each year, and many involve serious injuries.
After the impact, your first priority is getting out of harm’s way. If you’re able to move, get out of the roadway and away from traffic. Drivers approaching the scene may not see you in time, especially if the crash just happened.
2. Call 911 and get medical attention
Once you’re in a safer position, call 911. Stay at the scene and wait for law enforcement and emergency responders.
When officers arrive, give them an accurate account of what happened. A crash report will be created, and that becomes an important piece of your case later.
Even if you feel okay, get checked by medical professionals right away. Adrenaline can mask pain, and injuries like concussions or internal damage may not show symptoms immediately. Delaying treatment can make injuries worse and can also affect your claim.
3. Collect evidence at the scene
If you’re physically able, start documenting the scene.
Take photos or video of:
- the road and traffic signals
- your bicycle and the vehicle involved
- your injuries
- skid marks, debris, or anything else relevant
These details can fade quickly once vehicles are moved or conditions change. Capturing them early helps preserve what actually happened.
4. Get the driver’s information
Make sure you collect the driver’s:
- name and contact information
- insurance company and policy number
- license plate number
You’ll need this for the police report and for any insurance claim that follows.
5. Gather witness information
If anyone saw the crash, ask for their name and contact information.
Witnesses can provide an independent account of what happened. That can be especially important if there is a dispute about fault or if the driver’s story changes later.
6. Talk to an attorney before dealing with insurance
In Florida, you’ll need to notify your insurance company to access available benefits. But before giving a recorded statement or discussing details, it’s a good idea to speak with an attorney.
Insurance companies are focused on limiting what they pay. Early statements can be used against you, especially if you’re still trying to understand what happened or how serious your injuries are.
An attorney can step in early to:
- report the claim properly
- review the evidence
- help you avoid harmful statements
- handle communication with the insurance company
PIP coverage in Florida
Florida uses a no-fault system. If you have auto insurance with Personal Injury Protection (PIP), that coverage usually applies first, even if you were riding a bicycle.
PIP typically covers:
- 80% of medical expenses
- 60% of lost wages
up to $10,000.
If your injuries are serious, you may also be able to bring a claim against the at-fault driver for additional damages, including pain and suffering.
7. Document your injuries and recovery
As you recover, keep detailed records of everything related to your injuries.
This includes:
- medical records and treatment plans
- bills, receipts, and out-of-pocket expenses
- missed work and lost income
- how the injury affects your daily life
Insurance companies require proof of your losses. The more organized and complete your records are, the easier it is to show the full impact of the accident.
Frequently asked questions
Who pays my medical bills after a bicycle accident?
If you have auto insurance, your PIP coverage usually applies first, even if you were on a bike. If your injuries go beyond those limits, you may pursue a claim against the at-fault driver.
Can I sue the driver who hit me?
Yes, if your injuries meet Florida’s serious injury threshold. That allows you to seek compensation beyond what PIP covers.
What if it was a hit-and-run?
The police report becomes critical. You may still have coverage through uninsured motorist (UM) insurance if it’s part of your policy.
Do I need a lawyer if I get a settlement offer?
It’s a good idea to have any offer reviewed. Initial offers are often lower than what a case may actually be worth.
What if I was partly at fault?
Florida uses a modified comparative negligence system. If you are more than 50% at fault, you cannot recover damages. If you are 50% or less at fault, your compensation is reduced based on your share of responsibility.
What if I wasn’t wearing a helmet?
Florida only requires helmets for riders under 16. Not wearing one does not automatically prevent you from recovering compensation, but it may be considered when evaluating your injuries.
If you were hit by a car while riding your bicycle, a Jacksonville car accident lawyer can help you get medical care, gather evidence, and deal with the insurance company while you focus on recovery.