When the At-Fault Driver Has Little or No Insurance

Cheyla Gonzalez

Published on: 12/03/2026

Florida does not require drivers to carry bodily injury insurance, which can leave accident victims with limited options for recovering damages. When the at-fault driver has little or no coverage, uninsured or underinsured motorist (UM) coverage can provide critical protection. Understanding your policy can help protect you financially after a crash.