What if the at-fault driver's policy isn't enough?

This is common in Florida, because bodily injury liability isn't generally required and many drivers carry minimum limits.

Underinsured motorist coverage is the primary answer. It covers the gap between the at-fault driver's limits and your damages, up to your own limits. If your coverage stacks across multiple vehicles, more is available.

Other policies. Was the driver working? An employer's commercial coverage may apply. Was it someone else's vehicle? The owner's policy may apply, and Florida law can hold a vehicle owner responsible for a driver's negligence. Was there a commercial vehicle, a rideshare, or a bar that overserved?

The driver personally. Available, and usually uncollectible. Most people with minimum coverage don't have reachable assets, and bankruptcy is available to them.

Bad faith can expose an insurer beyond its limits where it refused a reasonable within-limits demand — which is why the demand is made properly and early.