What do I do if the person who hit my car doesn't have insurance?

You need to look at your own policy. You can purchase comprehensive, collision and rental coverage to pay for property damage when buying insurance for yourself. To cover yourself against the uninsured driver for your injuries, you can purchase uninsured/underinsured motorist insurance. With such a large portion of Florida drivers being transient or from different states, it is a good idea to have uninsured motorist insurance not only because it steps into the shoes of a completely uninsured motorist, but it adds to any potential recovery for pain and suffering because it can stack on top of the adverse coverage to potentially put more money in your pocket.