Who pays for a crash with injuries in Florida when neither the owner nor operator of the at-fault car carried coverage?
It’s virtually impossible to collect in Florida in a car accident case where there is no insurance. People say, “Well, the guy that hit me owned a million-dollar mansion on the beach.” That’s protected by Florida’s homestead laws. If he has a million dollars in the bank and his wife is on the bank account, you can’t touch it. Florida is what is known as a debtor state. That’s why OJ Simpson came here when the Goldman family got a big judgment against him because they couldn’t collect against him. So it’s rare, but if there’s no insurance from either the at-fault party or you don’t carry uninsured motorist coverage, you’re probably not going to be able to collect anything.