My recommendation is that you contact an attorney immediately after a Florida bicycle accident. The reason for that is that the insurance adjuster who may be contacting you about the accident is going to know a lot more about the process than you do, and they may be able to take advantage of you for that reason.
That's why it's good to contact an attorney. Most attorneys will offer a free consultation, which will inform you of your rights. It's important to understand those rights before you speak to anyone from the insurance company.