Hurt on Vacation in Orlando? Claim Navigator

It depends on where you were. FL § 627.736(4)(e)4. makes the PIP on a Florida-insured car cover "any other person while occupying the owner's motor vehicle," so a visitor riding in a rental car or an Uber is covered by that car's PIP. But it covers someone struck while not in a vehicle only "if a resident of this state." A visitor hit while walking or cycling gets no PIP from the car that hit them.

Not unless that doctor also holds a Florida license. FL § 627.736(1)(a)1. pays initial care only from physicians, dentists, chiropractic physicians and advanced practice registered nurses licensed or registered under Florida's own licensing chapters, a hospital or hospital-owned facility, or licensed emergency transport. FL § 627.732(12) defines "hospital" as a facility licensed under Florida's chapter 395. A doctor or hospital licensed only in your home state is not on the list, so if a Florida PIP policy covers you, get seen in Florida within 14 days.

First, the rental car's PIP, which covers a visitor driving or riding in it. FL § 627.7263(1) makes the rental company's liability and PIP insurance primary unless the rental agreement says otherwise on its face in at least 10-point type. Beyond PIP, the claim is against the at-fault driver's bodily injury coverage, and your own uninsured motorist coverage from home may apply.

Not just because it owns the car. The federal Graves Amendment, 49 U.S.C. § 30106, says a company in the business of renting vehicles is not liable under state law by reason of being the owner, if there is no negligence or criminal wrongdoing on its part. The claim is against the driver and the driver's coverage, and against the company only for its own fault.

A claim for an injury in Florida is brought in Florida. Under FL § 47.011, a lawsuit is filed in the county where the defendant lives or where the cause of action accrued, so an injury at an Orlando hotel or on I-4 can be filed in Orange County whether you live in Florida or not. Much of the early work on a claim (records, reports, insurance) happens in writing.

The same as a resident: 2 years for negligence under FL § 95.11(5)(a). Claims against a government body, such as a public bus or a county vehicle, have their own notice rules. Where you live does not change the deadline.

Most are not. FL § 324.022(1) requires $10,000 of property damage liability (or a $30,000 combined policy), alongside PIP. That is why a visitor hit by a Florida driver should find out early whether the driver has any bodily injury coverage, and should check their own uninsured motorist coverage.

Florida's amusement ride statute, FL § 616.242, "does not apply to" permanent facilities that employ at least 1,000 full-time employees and keep full-time, in-house safety inspectors; they file an affidavit of annual inspection instead (FL § 616.242(11)(a)1.). Whether a given park qualifies is a fact question we do not answer here. Where the exemption applies, the record of an injury is the record the park itself made.