Why won't my uninsured motorist coverage cover me in a hit-and-run accident?

"Another driver hit me but left before I could ID him. I have uninsured motorist coverage, so why doesn't this apply?"

Answer provided by
Sophie Newman
Answered on Jul 27, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
“There are few reasons you might not be able to use your uninsured motorist coverage. There are two types of uninsured motorist coverage: bodily injury and property damage. If you have bodily injury coverage but not property damage, your insurance might not cover the accident.
In some states, uninsured motorist coverage doesn’t apply to hit-and-run accidents. This might also be the problem.
The only other type of insurance that could cover you is collision car insurance, if you have it. Otherwise, you will have to pay out-of-pocket.”

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