Car Accident Attorney: Florida’s Motor Vehicle No Fault Law is designed to be all encompassing, that is a catch all so to speak for anyone injured in the operation, maintenance or use of a motor vehicle, since such causes more injuries than any other type of event. You can bet that hospitals had a strong lobby in the 1970′s when the law was written. Again if you are injured in the operation, maintenance or use of a regular highway passenger four wheeled vehicle (if you are on a motorcycle you are excluded though) you draw medical expense and lost wage coverage pursuant to state law in the following order:
1. If you own a four wheeled vehicle your own coverage pays without regard to fault and it doesn’t matter whether your vehicle is involved or not.
2. If you do not own a vehicle but live with a relative who does, you draw that coverage from the resident relative’s vehicle whether you are on the policy or not.
3. If you do not own a vehicle and don’t live with a relative who does, you draw your medical expense and lost wage “no fault” coverage from the vehicle you occupy when the injury occurs.
4. If you are a pedestrian and 1 and 2 don’t apply and obviously you didn’t occupy a vehicle
(also holds true if you are on a bicycle) this is the ONE TIME you can draw your no fault coverage from the vehicle which strikes or otherwise injures you.
I say again you have nothing to worry about in terms of a raise in rates.
