Note- This question only applies if you own a car or live with a relative who owns a car.
You need to start a claim with your own car insurance company because Florida is a no fault state even for bicycle accidents. This means that you have PIP insurance that must pay out 80% of your first medical bills up to $10,000. It doesn’t matter who caused the accident, the first $10,000 is paid by your insurance company to your medical providers. In order to get these bills paid, you will need to open the claim. Opening this claim does not mean that you will be penalized or that your rates will go up. You have paid for this insurance coverage and it is required to be used.