I have learned that the person who caused my accident has no insurance. Does this mean I can't launch a personal injury claim?

 The fact that the person who caused your accident does not have insurance

 does not necessarily mean that you cannot launch a personal injury claim.

 While insurance coverage can play a significant role in personal injury claims 

by providing a source of compensation, there are still potential avenues for 

pursuing compensation even when the at-fault party is uninsured. Here are some options to consider:

Uninsured Motorist Coverage: If you have uninsured motorist (UM) coverage 

as part of your own auto insurance policy, it may provide coverage for your 

injuries and damages resulting from an accident with an uninsured driver.

 UM coverage is designed to step in and compensate you for your losses when the at-fault party lacks insurance.

Underinsured Motorist Coverage: Similarly, underinsured motorist (UIM)

 coverage may apply if the at-fault driver's insurance coverage is insufficient

 to fully compensate you for your injuries and damages. UIM coverage can help 

bridge the gap between the at-fault party's insurance limits and your total losses.

Personal Assets of the At-Fault Party: Even if the at-fault party does not have

 insurance, they may have personal assets that could be used to satisfy a judgment

 obtained against them in a personal injury lawsuit. However, it's important to

 assess whether the at-fault party has sufficient assets to cover your damages

 before pursuing this option.

Negotiated Settlement: Depending on the circumstances of the case, you may be able

 to negotiate a settlement directly with the at-fault party. While this option may

 be less common when the at-fault party lacks insurance, it could still be a

 possibility, particularly if the at-fault party is willing to make arrangements to pay compensation over time.

Legal Action: If other avenues for compensation are not available or sufficient,

 you may consider filing a personal injury lawsuit against the at-fault party.

 While obtaining compensation directly from an uninsured individual may present 

challenges, it could be pursued if other options are exhausted.

It's essential to consult with a qualified personal injury attorney to explore your 

options and determine the best course of action for pursuing compensation in your 

specific situation. An experienced attorney can assess the available insurance 

coverage, evaluate potential legal claims, and advocate on your behalf to seek the compensation you deserve.

The worth of a personal injury claim is determined through negotiation with the insurance company or, if necessary, through litigation in court. Insurance adjusters and courts consider various factors, including the nature and extent of the injuries, the degree of liability, the impact on the claimant's life, and precedents set by similar cases.

It's important to consult with a qualified personal injury attorney who can assess the specific details of your case, gather evidence, calculate damages, and advocate on your behalf to pursue fair compensation. An experienced lawyer can help ensure that all relevant factors are considered and that you receive the maximum compensation to which you are entitled.