Does PIP cover me if I am hit by a car while walking or biking?

Often, yes. Florida PIP can cover pedestrians and cyclists struck by a motor vehicle. If you own a car with PIP, or you live with a relative who has PIP, that coverage usually applies first. If you have no PIP available in your household and you are a Florida resident, you may be able to claim PIP benefits under the policy of the vehicle that hit you. Beyond PIP, you may have a claim against the driver for violating laws such as the requirement to give cyclists at least three feet when passing. Coverage questions in these cases can be tricky, so get advice early.