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Can I Sue Someone Who Caused an Accident if they don’t have Car Insurance?


Hi, I’m Mike Hancock with Hancock Injury Attorneys and today I’m going to answer a question that my clients frequently asked and that is: can I sue someone who’s caused an accident and caused me to have injuries if they turn out not to have insurance on their car?

The short answer is yes you can. The long answer is a little bit more complicated, but let me try to explain. In Florida, under the Florida no-fault insurance law, you are not required to carry bodily injury liability coverage. So, you’re not required to carry the type of coverage that would protect the injured person and pay for their injuries.

So, if you are hit by someone who does not carry bodily injury liability coverage or no coverage at all, you can sue them. But the likelihood of recovery is pretty slim, unless you happen to get hit by somebody who has substantial assets that you could take after going to trial and getting a judgement against that person. But that’s the procedure you would have to use if you are trying to sue someone and recover from someone who does not have any car insurance.

This is Mike Hancock with Hancock Injury Attorneys. If you have any more questions, please feel free to give me a call or visit our website at

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I have received nothing but the best service I can ask for from Mike Hancock’s office. He and his office are true professionals in every sense of the word. They guided me along the process and had outstanding communication. I am more than pleased with the services they provided, and I would definitely recommend them to anybody.

— Kayla Hamilton

From first to last interactions with attorneys Mike and Claire Hancock, to all the supporting staff and legals, the office has always been courteous, knowledgeable, and professional. They have always gotten right back with me when I had a question, and would not hesitate to highly recommend them.

—Debbie Smith

Absolutely fantastic! The Attorneys and its staff are very knowledgeable. Through my entire process they kept constant communication and the return of calls. I couldn't have made a better choice.Can’t say enough. Thank you, Mike and Gabby.

- L.C.

I want to express my thanks to you and your staff for handling my case. Your expertise and kindness in representing me was invaluable. Thank you so much for your professional and effective help. I won’t hesitate to recommend your firm to anyone who may need legal assistance

- J.M. of Tampa, Florida

I have no words to describe the wonderful experience that had been for me to do business with his legal firm . . . I really appreciate all the great effort that you guys put into my case.

- F.F. of Ocala, Florida

Heartfelt thanks to you for my check and for all your work for the extra check. I am so grateful to you. Appreciate everything very much! Special thoughts and prayers.

- So grateful to you

Thanks for the awesome service. You both did so much work on this and I appreciate it very much. This is a great outcome.

- P.Q. of Palatka, Florida

Mike and his team are awesome, emails are always responded back same day and the chiropractor recommendation was great. I was in a small fender bender but was always treated as if my case was worth a million dollars. I recommend his firm 1,000% you won't be disappointed.

- Chris

Your unwavering commitment to my family, and the love and compassion you have shown by your actions, and not just words, have had a dramatic, unforgettable impact on us all. Your kindness and level headedness in your representation has helped us be able to live a decent and stress-free life from here forward.

- P.M. of Brooksville, Florida

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