I was hit on my motorcycle — is Florida law different for me?

Several differences, and most of them are disadvantages.

No PIP. Florida's no-fault system doesn't extend to motorcycles. There's no automatic $10,000 for medical bills. Treatment falls to health insurance, to you, or to a letter of protection while a liability claim develops.

One consequence works in your favor. Because there's no PIP, the serious injury threshold that limits non-economic damages in an ordinary car case generally doesn't apply the same way to a motorcyclist. That's a meaningful difference in how the claim proceeds.

The gear argument. Expect the defense to raise helmet use, and protective clothing, as contributing to injury severity — even where riding without a helmet was lawful.

The bias problem is real. Adjusters and jurors carry assumptions about riders. Speed and recklessness get assumed rather than proven, and that has to be actively rebutted.

Coverage is thin on both sides. Riders aren't required to carry liability coverage, and many at-fault drivers carry none either.