What happens if the other driver in my Florida car accident doesn't have insurance?

If the other driver doesn't have insurance, hopefully you have what's called uninsured motorist or underinsured motorist coverage. That's coverage that, if the other driver has no coverage at all or inadequate coverage, would kick in to compensate any damages that you received there in excess of the type of coverage they have available or if they have no coverage at all. It's probably the single most important insurance coverage that's out there. If you don't have it, I highly suggest that you do get it. If you're unsure, call your insurance company to find out.