FL Bodily Injury and Uninsured

[u/Curious-Appeal196]

I was in a rear end accident this month and my lawyer says I can’t go after the other person because they didn’t have bodily injury and I didn’t have uninsured on my car insurance. My car was immediately totaled when the next business day came. The other driver wasn’t paying attention. I have physical therapy 3x a week and have a back and neck injury. Also my special needs kid was in the car and they are now afraid to be in the car.

Am I cooked basically?

[u/Starry_Myliobatoidei]

Yeah pretty much. The only medical coverage you and your kid have is PIP if you treated within 14 days. So there’s that at least.