South Florida is one of the most dangerous places in the country to be a pedestrian. Wide, fast roads. Long blocks between crosswalks. Heavy tourist traffic and busy nightlife. When a driver hits someone walking, the person on foot takes the full force of it — and the result is too often a broken pelvis, a head injury, or worse. These are not fender-benders. They are some of the most serious cases we handle.
Here is the question that surprises people most: who pays your medical bills when you were not even in a car? In Florida, the answer is often your own auto insurance. If you or a relative you live with owns a vehicle, your Personal Injury Protection (PIP) coverage can pay your early medical bills even though you were walking. If you do not own a car, coverage may come from the vehicle that hit you, or from other policies. Sorting out which coverage applies — and stacking every available source — is the first job in a pedestrian case.
The second job is fault. Drivers and their insurers almost always claim the pedestrian "came out of nowhere" or "stepped off the curb." The truth usually lives in the crosswalk markings, the signal timing, the skid marks, and the witnesses — evidence that disappears fast. Talk to us before you speak to the driver's insurance company — the call is free, and the first days matter most.