If the driver who caused your Florida car accident does not have insurance, you may still have options for recovering compensation. One key option is uninsured motorist (UM) coverage, which may let you file a bodily injury claim through your own auto insurance policy when the at-fault driver has no applicable liability coverage.
But your policy isn’t necessarily the only place to look. Depending on the circumstances, coverage may also exist through a resident family member’s policy, an employer or business connected to the at-fault driver, or another responsible party. You can also pursue the uninsured driver personally. However, whether that makes financial sense depends largely on whether the driver has assets or income from which a judgment could realistically be collected.
The practical next step, then, is not simply to ask, “Did the other driver have insurance?” It is to identify every insurance policy and potentially responsible party connected to the accident.
Miami Personal Injury Attorney Blog


