Many Florida cyclists are unaware that Florida leads the nation in the number of annual bicycle related fatalities. According to the National Highway Traffic Safety Administration, Florida has about 114 bicycle deaths each year involving an automobile. In addition, it is estimated that 1 out of every 4 drivers in Florida are uninsured. The combination of these 2 unfortunate statistics means it is essential that you and other Florida cyclists know exactly how to properly insure yourself in the event you are involved in a bicycle-car related accident.
In the state of Florida, cyclists involved in a bicycle-motor vehicle accident can seek compensation for their injuries under their own automobile insurance policy.  Many Florida cyclists are unaware that Florida leads the nation in the number of annual bicycle related fatalities. According to the National Highway Traffic Safety Administration, Florida has about 114 bicycle deaths each year involving an automobile. In addition, it is estimated that 1 out of every 4 drivers in Florida are uninsured. The combination of these 2 unfortunate statistics means it is essential that you and other Florida cyclists know exactly how to properly insure yourself in the event you are involved in a bicycle-car related accident.

If you look at your automobile insurance statement, you’ll find the coverage called  Property Injury Protection (PIP). PIP covers 80% of medical expenses and 60% of lost wages up to the coverage amount as stated in your policy. If however, medical expenses and lost wages exceed what is covered under this area, then you are covered under the negligent party’s liability insurance. Remember however, that 1 out of every 4 Florida drivers are uninsured. This means that you must make sure you purchase sufficient “Uninsured Motorist Insurance” also known as “UM”.  UM coverage is optional in the state of Florida and too often people opt NOT to buy it because they do not understand that “UM” protects them from the negligence of other drivers.

If you see that you currently do not have UM coverage, do yourself a favor and call your agent today and purchase it.  The cost to include UM insurance on your policy is relatively inexpensive and the value is immense.

If you have more than one car on your policy ask for “stacking” UM coverage.  When you purchase the “stacking” option, you are able to receive the combined coverage should you be in an accident.

Protect yourself, follow safety regulations and enjoy the ride!

 

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