Q: What happens if a person sues me and I don't have the money
I was in an accident and didn't know that bodily injury isn't in my coverage. I just found out today that it isn't covered. They told me that I need to get a lawyer.
A Florida attorney could advise best, but your question remains open for a week. As a general possibility nationwide, the claimant could turn to their uninsured motorist protection coverage. But their carrier could still come after payments they make to their insured. Another possibility is that the claimant could come after personal assets. Another possibility is that the claimant could decide it's a waste of time to pursue a case in which the defendant has no insurance.
What you were told makes sense - speak with a lawyer. Learn what actions you must immediately take, such as responding to the lawsuit to avoid a default judgment for not appearing. The possibilities above are only generalities, and you must speak with a local attorney to learn your options under Florida law. Based on the scope of the lawsuit, your liability in the accident, your possible defenses, your personal assets, and other issues, an experienced Florida attorney would be able to offer you more meaningful guidance than is possible in the brief format of a Q & A forum. Good luck
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