Right of way. Under Florida Statutes § 316.130, drivers must stop and yield to pedestrians in a crosswalk where there's no traffic signal in place, and drivers turning at a signal must yield to people lawfully crossing. A person crossing outside a crosswalk must yield to traffic, but every driver must still use due care to avoid hitting a pedestrian, sound the horn when necessary, and take extra care around children and anyone who seems confused or impaired. Crossing outside a crosswalk doesn't automatically sink your claim.
No-fault insurance (PIP). If you or a relative you live with owns a car, that PIP policy usually pays first, up to $10,000, even though you were on foot. If no one in your household has PIP, the policy on the car that hit you may pay. For pain and suffering beyond PIP, Florida requires a serious injury, such as a permanent injury or significant scarring.
Modified comparative fault. Your recovery is reduced by your share of the blame, and if you're found more than 50% at fault you recover nothing. Expect the insurer to raise where you crossed, the signal, the lighting and your clothing. Evidence is how we push back.
Uninsured drivers. Florida doesn't require bodily injury liability coverage, and hit-and-runs involving pedestrians are common in Central Florida. Your uninsured motorist coverage, or a household member's, may be the policy that pays.