American College of Attorneys Best of the Bar Award
10.0 Avvo Superb Lawyer Rating
Top 100 Trial Lawyers Award
Orlando Top Lawyers 2012 - 2024
Best Lawyers in America Award
Super Lawyers 2024 Award
Florida Legal Elite Award
Best Lawyers 2024 Award
Orlando Sentinel Best Bets Lawyer Award

When Someone Else’s Insurance Will Cover You, Even if You Don’t Have Insurance

If you are injured in a car accident in Florida, and you personally do not have liability insurance, is there a time when someone else’s insurance will cover the costs of your injuries?

The answer in some cases is yes. If you were severely injured in a crash, and you have no UM insurance or you let your policy lapse, you may be able to recover money damages from someone else’s insurance.

It largely depends on whether the at-fault driver purchased a bodily injury liability (BI) insurance policy.

Speak with an experienced Florida attorney at our firm today.
Call 855-Kramer-Now (855-572-6376)

When Someone’s Bodily Injury Liability Insurance Will Cover You

Bodily Injury Liability coverage is voluntary. It is purchased specifically to protect motorists from liability in the event they cause an accident that results in someone getting hurt.

So if you are injured in a car crash and the at-fault driver has a Bodily Injury Liability insurance policy, that coverage will generally pay your medical bills, loss of work and wages, pain and suffering, permanent injury, loss of consortium and other damages to you. This also assumes you meet Florida’s No Fault requirements.

BI pays damages to injured parties up to the limit of the at-fault driver’s coverage. It is available to all Florida drivers in different amounts, in order to meet whatever a person can afford if they choose to buy it.

The minimum amount of coverage available in Florida is $10,000 per person in an accident, with a total minimum limit of $20,000 per accident.

For example: An at-fault driver carries $10,000 of BI. Your injuries have been assessed in excess of $750,000 in damages. All you can possibly recover for yourself is $10,000 from the insurance company.

Bodily Injury Liability insurance is frequently insufficient to cover serious personal injuries. More often than not, a Florida driver does not even carry BI.

Besides BI, there may be other times when someone else’s insurance will cover you.

Uninsured/Underinsured Motorist (UM)

UM policies protect the policy owner, and other eligible persons from personal injury damages as a result of the reckless or wrongful acts of another driver, when that driver has insufficient or no BI insurance coverage.

If you are a family member of someone who has purchased an uninsured motorist (UM) policy, or if you are a passenger in a car that belongs to someone who has an uninsured motorist policy—that UM insurance may cover you when another driver is at fault for your injuries and you do not have your own UM insurance.

Medical Payments Coverage

Another type of optional insurance is Medical Payments Coverage (Med Pay). This insurance is secondary to Personal Injury Protection (PIP) and will only cover medical expenses and not lost wages.

Medical Payments Coverage is also different from BI coverage, because it pays medical costs regardless of who caused the accident.

If you are an uninsured family member of someone who has purchased Medical Payments Coverage, or you are a passenger in the car of someone with Medical Payment Coverage, this insurance may provide certain insurance coverage.

Do Not Rely on Other Insurance!

Rather than hoping that someone else’s insurance will cover you in a Florida accident, your best option is to protect yourself as a motorist. Look to your own options for purchasing Underinsured/Uninsured Motorist Coverage and to understand the importance of stacking UM insurance.

Questions about the possible damages you may be entitled to?

If you suffer injuries in a car or truck accident, you may be able to collect important financial damages from coverage that you do not know about. You want to exhaust all avenues for insurance coverage to ensure you are fully compensated.

Contact TK Law for any questions regarding insurance claims. We will put our knowledge and experience to work for you for the best possible outcome.

A full service law firm, TK Law is here to protect you, your family, your home, and your business with any legal issue, one firm for life.

Free Case Review

All free case evaluations are reviewed by our legal team. For immediate assistance, please call us at 407-834-4847.

Car Accident Law Information


Make Your Best Decision Today


Schedule your case review so we can help you.



During your consultation we’ll review your options and see if we’re a right fit for you.



If we take on your case, you’ll be represented by the best.

Get Your Free Case Evaluation Today

The Orlando divorce lawyers at TK Law are deeply committed to the individuals and families they serve. We are here to help you resolve each legal concern so you can regain control and move forward with your life. You will also have a steadfast, accomplished advocate in your corner to fight for what matters most if a dispute goes to trial.

We know how overwhelming conflict can be and how painful it is to see a marriage end. We will guide you through this difficult process before, during and after your divorce.

Contact our offices today to schedule a confidential consultation with one or our family law attorneys, or call us at 855-572-6376.



Our best awards are
client victories

Roy P.
Mar. 2024
Read More
Gastell and Kayla were awesome! They helped me make it through a very challenging time in my life with kindness and compassion. They were always available to answer my questions and kept me up to date. Their counsel was extremely helpful in aiding a resolution that I am very satisfied with.
Carmen D.
Mar. 2024
Read More
I give this law firm a 5 star. Ray and Janelise helped us with our probate issue and made the process a lot easier for us to finalized all of it. We're very thankful to this law office and recommend them for any legal issues.Thank you Janelisse and Ray and the entire office .
Alysia T.
Jan. 2024
Read More
I am thankful to Janelise and Kayla at TK Law for a fantastic job. Kayla guided me through every step of my divorce process. She is patient, professional, and honest. I highly recommend them!
Chris O.
Dec. 2023
Read More
This was first experience hiring a law firm and I am very happy that I hired TK Law. My attorney Janelise and Paralegal Kayla were kind, knowledgeable and made the process easy. They were quick to respond when I needed revisions to my document and the final outcome was perfect. If I ever need legal help in the future, I will not hesitate to contact TK Law again.

*Top-rating from clients and award publications such as Orlando Weekly, US News & more.​


Schedule Your Case Evaluation

We offer payment plans, accept credit cards, are available for evening appointments and our main office is conveniently located right off of I-4, between 436 and 434. For immediate help call: 407-834-4847.


The information found here is for general information purposes only. Nothing on this site should be taken as legal advice for any situation or individual case. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.


Phone: 407-834-4847
999 Douglas Ave #3333, Altamonte Springs, FL 32714

Service Areas

Orange & Seminole County, Florida.