While Florida law requires all drivers to carry liability insurance, this doesn’t always happen.
If the other driver did not purchase insurance, you have options:
File a claim against your uninsured/underinsured policy (UI/UIM): If you carry UI/UIM, you may file a claim against this policy. You can attempt to recover damages up to your policy limits.
File a lawsuit against the other party: If the other party does not have insurance, you may be able to file a personal injury suit against the person’s property. In the case they have money or assets, your attorney will try to recover damages from said assets. If no assets are available, the court may require the person to make payments to you to settle their debt.
File a claim against third-party insurance: If you or the other driver were on the job at the time of the accident, you might file a workers’ compensation claim.