Does my own automobile insurance cover me for accidents when I am on my bicycle?

Generally, your own automobile insurance will cover you when you’re riding a bicycle. If you own an automobile, you will have PIP available to you in Florida, no-fault insurance for the first $10,000. As well as if you have uninsured or underinsured motorist coverage, that will also cover you if you are struck by an underinsured driver, whether you’re on a bicycle or in your own car or even walking down the street.