Can the injured party sue me directly following a car accident in Florida?
Yes. Something many people don’t know is that they are going to sue you. They can’t sue your insurance company because of the Non-Joinder Statue. What that means is at trial the jury is never going to hear that you have insurance. In fact, the theory is that the jury will be less likely to award money if they think you don’t have insurance, something a lot of people in Florida don’t realize.