As cyclists we spend a lot of time and effort on our safety while bicycling. We wear reflective and bright clothing, have lights and reflectors on ourselves and our bikes, ride defensively, and choose the safest routes possible.
Sometimes, all that is not enough. We get hit by a car or truck. We can still protect ourselves from the financial effects of a crash by purchasing important insurance.
It is called Uninsured Motorist Insurance. I have previously written about the importance of Uninsured Motorist Insurance. Here is a link to that post.
How Uninsured Motorist Insurance works in any given situation is determined by state law. If you buy your policy in another state where you reside part or all the year, even if you are hit in Florida, your policy coverage may be determined by the law in the state where you purchased the insurance. Florida law provides very favorable coverage for bicyclists struck by motorists. If you live a significant amount of the year in Florida, you should consider buying auto insurance here. Ask an attorney for advice for your specific situation.