Florida Uninsured Motorist Coverage: Does it Apply to a Florida Pedestrian Accident If I am Hit By a Car, Truck, Taxicab, Motorcycle or Other Motor Vehicle?

Florida Uninsured Motorist Coverage_Pedestrian_fightsforyou.netGiven the beautiful weather down here in South Florida, it is very common for us to be outside and taking in the South Miami sun and warm temperatures.  In fact, especially at places like South Beach, Miami Beach, Hollywood Beach, Naples, Key West and Fort Lauderdale Beach, pedestrians are out bike riding, skateboarding, in-line skating, rollerblading, walking on the sidewalks and boardwalks, running and jogging.  Unfortunately, when participating in these activities, pedestrians are hit by cars, trucks, motorcycles, bicycles, mopeds, segways, taxicabs, buses, vans and other motor vehicles, especially when crossing a street or walking in a crosswalk.  When these types of Miami Florida pedestrian accidents occur, such as accidents which can occur when one is injured on the job (ie., Florida work injury accidents), one of the primary questions asked of a Miami Florida pedestrian accident injury lawyer is can my Florida uninsured motorist coverage apply to pay for my medical bills (including nurse, hospital care, emergency room care and surgeries), lost wages or disability benefits, pain and suffering, mental anguish, disfigurement (scars), loss of enjoyment of life, etc.

The answer to this question will depend on the language within your insurance policy and how they define motor vehicle.  In general, so long as you are a pedestrian hit by a car, truck, taxicab, bus or van in Florida, if you have selected uninsured motorist automobile coverage or underinsured automobile coverage (UIM) from your automobile insurance company, your UM and/or UIM benefits should be applicable to provide you insurance benefits provided the motor vehicle that hit you has no insurance (uninsured) or too little insurance (underinsured) to cover your injuries and medical bills.  If your are in a Miami Florida pedestrian accident because you are struck by a motorcycle, moped or segway, or even a motor driven bicycle, as stated above, whether you will be entitled to take advantage of your uninsured motorist coverage will depend on the definition of motor vehicle within your Florida insurance policy. For an extensive discussion and analysis of Florida uninsured (UM) and underinsured (UIM) motorist coverage and the benefits Miami Florida injured motorists may be entitled to when in a car accident, see my previous article.

It should be noted that if you are a pedestrian and are working on the job when injured (ie., hit by a car, truck, taxi, etc., while delivering goods for Publix, Walmart, Costco, UPS, Fed Ex, Home Depot, Target, etc.), then depending on the type of motor vehicle that hit you, you may be able to secure your Florida pedestrian accident UM and/or UIM benefits.  You may also be entitled to Florida workers compensation benefits.  For an extensive discussion and analysis of common and frequently asked questions (FAQ) for employees injured on the job and Florida workers compensation claims and benefits, see my previous article.

In addition, if you are a Florida resident that owns a car, or are a tourist or non-Florida resident visiting Florida, and you are a pedestrian hit by a car, truck, van or other motor vehicle, then personal injury protection (PIP) benefits may also be available to you. For an extensive discussion and analysis on Florida personal injury protection (PIP) benefits under Florida’s motor vehicle no-fault law when injured in an automobile accident, see my prior article.

Moral of the Story: whether you live in Miami, Fort Lauderdale, Palm Beach, Miami Dade County, Broward County, Monroe County, Palm Beach County or any other area of Central Florida or South Florida, should you sustain injuries as a pedestrian in a Florida motor vehicle accident, car accident, trucking accident or motorcycle accident, you may wish to secure a Hialeah Florida car accident injury attorney or Miami Florida pedestrian accident injury lawyer to assist you with a potential claim for improper denial of your Florida uninsured or underinsured motorist benefits and/or other Florida car insurance benefits, if you have been denied insurance coverage arising out of your Florida pedestrian accident.

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