Insurance plays a huge part in what you can obtain for an injury case. The value of the case is the value. But if a jury awards you $1,000,000.00 and you are not able to collect any of it because the other person has no insurance and has filed for bankruptcy, then perhaps the true value of the case is nothing, as you are not able to collect the value of the case. Unfortunately, in Florida, it is legal to drive without bodily injury insurance. You must have personal injury protection (PIP) and property damage coverage but you are able to drive legally without bodily injury. Bodily injury coverage is what pays the other person for their injuries. Some states have mandatory bodily injury coverage, some higher than others. The nice part about insurance is that if you sue another person who has insurance and if you win the case in court, the insurance generally will pay you the money. That is whole idea of insurance.
