We are so sorry to hear of your loss. To find out what is contained in the at-fault person's insurance policy you should call their insurance company. Their insurance company should be able to direct you to the proper department to answer your questions.

In Florida the automobile insurance laws require a motor vehicle owner to have a certain amount of personal injury protection (PIP), $10,000 being the minimum. PIP provides compensation, within the specified limits, for the medical, hospital and funeral expenses of pedestrians stuck by them so you will need to see if this also holds true for a bicyclist hit. If after receiving the information on the at-fault driver's insurance company and need more help you might need to seek legal counsel.