Yes, in Florida your own car insurance will provide coverage for you under normal circumstances. If fact the PIP, or Personal Injury Protection, insurance providing $10,000 of coverage for medical expenses applies to bicycles, as well as cars. In addition, if you are involved in an accident with a under-insured or uninsured driver your UM coverage, your uninsured/under-insured coverage of your vehicle will also apply to an accident on a bicycle.
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