What if the other driver has no insurance?

This is more common than people expect, and it's why uninsured motorist coverage matters so much in Florida.

PIP applies regardless. Your own PIP covers a portion of medical bills and some lost wages no matter who was at fault or whether they were insured.

Uninsured motorist coverage is the coverage that steps into the at-fault driver's place. If you carry it, your own insurer pays what the uninsured driver would have owed, up to your limits.

Florida doesn't require you to carry UM. It requires it to be offered, and it must be rejected in writing. A significant number of people rejected it without understanding what they were declining — check your policy, because you may have it and not know.

Suing the driver personally is available but frequently uncollectible. A person without insurance usually doesn't have assets.

Other possible sources: an employer's policy if they were working, the vehicle owner's policy if they were driving someone else's car.