A: Whether you have a right to recover in a personal injury lawsuit is based on three elements. First, someone has to do something wrong. For example, an act of negligence or a broken promise. Second, you must have suffered an injury, which was caused by that act of negligence, such as a broken leg in an auto accident. Finally, there has to be a fund, insurance, or financially viable defendant from which to collect those damages.
Stated another way, for you to have a claim worth pursuing, it is not enough that someone simply went through a red light and scared you. Someone has to have gone through a red light, collided with your car, and cause injury to you. That individual must have insurance or some other source of funds or else you must have previously purchased Uninsured Motorist coverage as part of your own automobile insurance policy in order to compensate you for your injury. All of these things are necessary to successfully pursue a personal injury case.