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