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Seeking Compensation After a Bicycle Accident Without Insurance


A bicycle and helmet on the road after an accident with a motor vehicle.

Florida law requires motorists to carry an adequate personal injury protection (PIP) auto insurance policy in the event they are involved in a wreck. Unlike at-fault car insurance states, Florida is one of a handful of states that follow a no-fault car insurance arrangement wherein each injured party’s PIP policy pays for their insured’s injuries.

This no-fault arrangement works well when two cars collide, and both of the drivers have PIP coverage. In this case, each driver would submit a claim to their own insurer. That insurer would then pay their insured’s claim up to the applicable policy limit. Neither party would need to show fault or the absence of negligence to receive compensation.

However, recovering compensation following a bicycle accident is different, as you may not have a PIP policy in force. Additionally, some motorists operate their vehicles illegally without insurance. Exercising your rights to receive compensation after being injured in these circumstances can be more challenging and requires help from a bike accident lawyer.

When the Bicyclist Is Struck by an Uninsured Driver

Suppose that you have a PIP policy that is active, and you are struck by a negligent, uninsured motorist while you are riding your bike. You should be able to file a claim against your PIP policy, just as if you had been riding in a car. This may be the most effective way to receive prompt compensation for your injuries after the accident.

Bicycle accidents routinely result in serious injuries to the bicyclist. Concussions or other traumatic brain injuries are not uncommon, especially if you are not wearing a helmet. Treating these injuries can be expensive.

Additionally, PIP policies do not provide compensation for pain and suffering. As a result, simply filing a claim against your PIP policy may not fully compensate you for your bike accident injuries.

Any additional expenses not covered by your PIP benefits can be submitted to your health insurer for payment. Like your PIP policy, your insurer should pay your claim regardless of who was at fault in the crash.

Florida law permits you to bring a claim against the driver if that driver was primarily at fault in causing the accident. Such a claim can reimburse you for out-of-pocket expenses or any expense not covered by your insurance.

However, if the driver is not insured, obtaining compensation might be challenging and would depend on the financial resources of the driver.

When the Bicyclist Is Uninsured

Some bicyclists rely on their bikes as their sole means of transportation. Florida law does not require bicyclists to carry a PIP policy in order to ride in the state legally. Since these policies can be expensive, some cyclists may choose not to purchase one. In that case, obtaining prompt and full compensation becomes more challenging.

In this situation, the bicyclist’s ability to receive compensation depends on filing a claim against the insured motorist’s auto insurance policy. Unlike a PIP policy claim, this claim would only be paid if the insured motorist was primarily at fault for causing the crash. To establish this, you will likely need evidence, such as the following:

  • Witness statements from people who saw the crash happen
  • Photographs and diagrams of the accident scene showing the location of the car and your bike pre- and post-crash
  • Statements made by the motorist at the scene that admit fault
  • Your statements or recollection of how the crash happened

If you were responsible for the accident or your injuries in any way, this could reduce the compensation you receive. For example, if you can secure $25,000 in compensation with the help of a bike accident lawyer, but you are found to be ten percent responsible for your injuries because you did not wear a helmet, the actual amount you receive would only be $22,500.

This discussion and procedure apply if the motorist is also uninsured. Again, you could pursue a claim against the driver individually. However, unless the driver has substantial assets, you may face practical challenges in recovering all the compensation you are due.

An Experienced Florida Bike Accident Lawyer Can Help You

If you or a loved one find yourselves injured in a Florida bicycle accident, immediately contact a bike accident lawyer from Schrier Law Group. Having a bike accident lawyer can mean the difference between obtaining compensation quickly and struggling to get the compensation you need to pay for all your expenses and losses.

Read Our Reviews

Schrier Law Group is rated 5 out of 5.0 stars based on 22 review(s).


My name is David and I’ve been represented by mr. Schrier law firm twice in my life and I got nothing more then good things to say about them they are very professional and they really Take their clients I really recommend them every time I called them they were always there for me especially the attorney he’s very professional and he got me the money did I deserve by representing me and fighting for me I will use their services again them no questions asked if I ever need them to me they are the best God bless them all

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The Schrier Law Group are hands down the best and should be your go to for all your legal troubles. They are such professionals; efficient, persistent and don’t take no for an answer. Thank you so much Chatriece, Geissie, Paul & everyone at Schrier Law Group for your patience and making my win possible!

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Shrier Law Group extremely thorough. A really caring Law Firm. My previous lawyer sat on my case for 2 years did nothing with it by chance came across Mr Paul schreier firm and explaining my case he noticed I was not hopeful but he was able to encoirage me and was able to resolve my case within a year I'm so grateful for Mr Paul Schrier and Mrs Chatrice. They go above and beyond. 20⭐

West Jean


I must say that Mr. Schrier was there when we needed immediate advice after my wife got rear-ended by an unlicensed speeding lunatic. We called a handful of attorneys in our area, but after waiting 2- 5 days they would drop her case. We found Mr Schrier online and he explained the pros/cons and he took the case. We waited patiently, and in time he was able to tracked down the actual owners of the car and get their auto insurance info!

Gerard Avalos


The firm pays close attention to locating every possible insurer liable for my injuries. They return my calls in 24-48 hours. Friendly staff who care.

Mr K


Attention to detail with the different insurance coverages. Returned my phone calls, which is very important.

David Kuczenski


Thank you so much for going above and beyond what I had ever anticipated. It was truly a pleasure to work with you all, especially Chatrice. I will most definitely refer The Schrier Law Group to my family and friends.

Cat Breen


The Schrier LG is an excellent firm! They accepted my case, provided me with all the procedural information, maintained a high level of professionalism while showing kindness and care. The doctor's office that they suggested is another group of kind and considerate individuals, dedicated to my full recovery. I would recommend the Schrier Group to friends, just as they were recommended to me. I am happy with my settlement and very pleased with the attention and diligence of the group as a whole. Thank you again!

Michaela Davis


Mr. Paul Schrier is by far the best attorney for the job! He is very responsive, knowledgeable, and very efficient. Despite my very busy schedule, he kept me informed throughout the process. I am very please with the outcome of my case. The customer service I received from the entire team has been amazing! Thank you all so much!

Ms. Jean


Not only did I get a phenomenal attorney to represent me in my case, but I also got a step by step education on how the legal process actually worked. I was encouraged to ask questions and be an informed client. I was never treated like a case. I truly felt like the advice and recommendations he gave to me would have been the same he would have pursued if he were the client. That was important to me. I needed to work with an attorney I could trust with my best interest in mind...and that is what I got with Paul Schrier.

Juan Rodriquez


I was involved in an auto accident in January 2016. We decided to contact Paul K. Schrier, PLLC for legal advice. He never got annoyed with me calling to ask questions, which was quite often. We have finally reached the final stages of this case, which they handled very well, and have come to a settlement. I highly recommend the Florida personal injury attorneys at The Law Offices of Paul K. Schrier, PLLC, especially Paul K. Schrier to any one who needs a personal injury attorney. Thank you very much Paul for everything you have done do me.

Martin Tyler


I called to ask some question about a car accident I was in. I spoke to Paul who was very helpful, honest and professional. It seems that he really care about clients. I appreciate all that Paul did and would certainly recommend to anyone who needs an attorney.

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Thank Paul for everything your personal injury law firm has done for my case as well as my daughter. Thanks for all the hard work and attention. Thanks again!

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Fefe Alex


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Edward Pawley


Both my wife and I feel grateful for the treatment and the professionalism of the staff. Maritza is great doing her job. It is the second time that I request your services and we are pleased and grateful. Many blessings to this Law Firm

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Chatrice Telfort


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