It really depends on the facts and injuries involved. In Florida, your PIP—which stands for Personal Injury Protection—pays for a portion of accident-related medical bills and lost wages. This will cover 80% of your medical bills and as much as 60% of lost wages until these expenses meet the policy's limits of $10,000.00. If you do not own a vehicle or otherwise have your own PIP coverage, you may qualify for PIP coverage from the at-fault driver in a pedestrian versus car accident. However, to be made whole and cover all medical expenses and lost wages, you will have to file a claim against the at-fault driver. If they have bodily injury coverage under their policy, this type of coverage will cover your expenses not paid by PIP. To succeed, you need to prove that the other driver's negligence caused the accident and your injuries. Many times this type of case can be settled in the claims process without filing a lawsuit. Yet other times, a lawsuit and trial may be necessary, depending on the circumstances.