It depends. Florida’s no-fault insurance laws do not apply to motorcycle drivers. In fact, Florida does not require insurance for motorcycles at all. If you have motorcycle insurance, you should contact your insurance company even if you are not at fault. However, you likely will need to consult with a lawyer and file a claim against the drunk driver’s insurance policy to receive compensation for your injuries.
Florida PIP insurance extends to policyholders and their immediate family members if they are walking or riding a bicycle. If a drunk driver struck you while on foot or riding a bicycle, you should file a claim under your PIP policy. Once you meet or exceed your limits, you can bring a suit against the driver for additional compensation for your economic and non-economic losses.