If you are hit by an uninsured motorist, there are two options.
If you have under-insured or uninsured motorist coverage included in your auto policy, your insurance will pay for any damages.
If you don’t carry this coverage, you might be able to sue the driver, but if they don’t carry insurance, they might not have any assets to sue for.
Since Florida is a “no-fault” state your insurance will cover part of the damages even if the other driver didn’t carry coverage. Keep in mind that states like Florida that have “no-fault” laws will restrict lawsuits associated with uninsured motorists, so you can’t sue the other driver unless there were severe damages or medical bills.
The laws regarding accidents can be confusing, so it’s best to contact a knowledgeable attorney as soon as possible to weigh your options.