Does PIP cover me if I was a pedestrian or on a bicycle?

Yes, and this surprises people who assume PIP only applies inside a car.

Because Florida PIP largely follows the person, a Florida resident who owns an insured vehicle is generally covered as a pedestrian or bicyclist struck by a motor vehicle. The same is often true through a resident relative's policy.

If nobody in your household owns an insured vehicle, the analysis changes and may look to the PIP on the striking vehicle.

Everything else still applies. The 14-day deadline. The emergency medical condition requirement. The 80/60 structure.

These cases often involve serious injuries relative to a vehicle-to-vehicle crash, which means PIP is exhausted quickly and the claim against the at-fault driver becomes the substance.

Uninsured motorist coverage frequently applies here too, and matters because pedestrian and bicycle crashes disproportionately involve drivers with minimum or no coverage.

If you were struck while walking or riding, check your own auto policy even though no car of yours was involved.