PIP (Personal Injury Protection) if offered for a bike in Florida has a limit of 10,000 bucks. I am pretty sure you already exceeded that limit. It is an optional coverage as above if offered for a bike.
Med-Pay (Medical Payments) is similar however it only covers medical where PIP covers lost wages also. It is excess over all other valid collectible health insurance. So that would not have helped you.
Uninsured Motorist Bodily Injury Coverage (also called BIUM) would cover all as a claimant against your own carrier. I think that is what they are telling you. Had you been hit by somebody else who left the scene, was without insurance, or under-insured the UM would kick in.
In any event, thank goodness your relatives are not posting this. An accident you live through on a bike is a good accident.
Good luck healing and fixing. Glad you are OK
(This is the reason I will never buy another new bike that does not have ABS. It sounds a lot like a wash out. IMHO the jury is not still out on that technology.)
