If the at-fault driver has little or no insurance, you may still have options—including coverage under your own uninsured/underinsured motorist (UM/UIM) policy or, possibly, policies of others.
How UM Coverage Works: Fla. Stat. § 627.727 mandates all policies issued in Florida include uninsured motorist coverage, which protects you when the at-fault driver cannot fully compensate you. This also means you may be covered under policies of other people in the car with you or who live in your home with you. This is why it is critical to consult with an experienced attorney to explore all possible coverage before giving up on your claim.
The National Association of Insurance Commissioners explains that uninsured motorist coverage helps pay for injuries when the at-fault driver lacks adequate insurance.
Bottom Line from twwlawfirm.com
👉 An uninsured driver does not necessarily mean you have no recovery options.
TWWHB reviews all available insurance policies to identify all potential sources of compensation. If you give up on your claim before having an experienced professional explore all possible avenues of recovery you could miss out on compensation you deserve.
(This legal/medical information is for general educational purposes only. While it applies in many situations, no attorney-client relationship is formed—which enables a lawyer to give specific legal advice—until you have spoken to the lawyer directly and retained him or her in writing.)