If an uninsured driver — or a hit-and-run driver — causes your crash, your own Uninsured Motorist (UM) coverage usually becomes your main path to compensation (Progressive, 2026). In most states, a driver who flees is treated as “uninsured,” so the same coverage applies.
Key Takeaways
- Your Uninsured Motorist (UM) coverage is usually your main recovery source.
- Hit-and-runs are typically treated as “uninsured” claims.
- UM claim deadlines can be short — sometimes as few as 30 days.
- Suing an uninsured driver rarely pays, since they often have no assets.
What Should You Do at the Scene?
Call 911 and get a police report — it’s especially important with uninsured drivers and hit-and-runs (State Farm, 2026). Document everything with photos, and for a hit-and-run, note any plate, make, or model details. Don’t chase a fleeing driver — your safety comes first.
What Is Uninsured Motorist (UM) Coverage?
UM coverage steps in when the at-fault driver has no insurance — your own insurer essentially “stands in the shoes” of the at-fault driver. It usually has two parts:
- Uninsured Motorist Bodily Injury (UMBI): covers your injuries
- Uninsured Motorist Property Damage (UMPD): covers damage to your car (in some states)
UM coverage can even apply if you’re hit as a pedestrian or in someone else’s car.
How Do You File a UM Claim?
Report the claim to your own insurer as soon as possible and ask whether UM coverage applies. Watch the deadline closely — some insurers allow as few as 30 days for UM claims (Nolo, 2026). An adjuster will investigate, so keep your police report, photos, and medical records ready.
What Other Coverage Can Help?
If you don’t have UM coverage, or want to supplement it, these may help:
- Collision coverage — repairs your car regardless of fault (after your deductible)
- MedPay or PIP — covers medical bills regardless of fault
- Health insurance — a fallback for medical costs (not lost wages)
Can You Sue an Uninsured Driver?
You can, but manage expectations. Even if you win a judgment, drivers who can’t afford insurance often have no assets to collect from — so enforcing it can be a losing battle. For most people, a UM claim through their own policy is the realistic path to compensation.
UM claim denied or delayed? A free attorney review can help you push your own insurer.
Frequently Asked Questions
Does my insurance cover a hit-and-run?
Usually yes, through Uninsured Motorist coverage, since a fleeing driver is typically treated as “uninsured.” Collision coverage can also repair your car. Report the hit-and-run to police quickly — often within 24 to 72 hours — to protect your claim.
How long do I have to file an uninsured motorist claim?
Deadlines can be short — some insurers allow as few as 30 days for UM and underinsured claims. File as soon as you learn the other driver has no or insufficient insurance. Check your policy and report promptly to avoid losing coverage.
What if I don’t have uninsured motorist coverage?
You may still use collision coverage for vehicle damage and MedPay or PIP for medical bills, both of which apply regardless of fault. Health insurance can help with medical costs. Suing the driver directly is an option but often doesn’t pay.
Conclusion
Being hit by an uninsured or hit-and-run driver is stressful, but you usually have options. Call the police, document everything, and file promptly under your own UM coverage — mindful of short deadlines. Because rules vary by state, a free legal consultation can help with serious or disputed claims.
Related Guides
- How to File a Car Accident Insurance Claim
- Do You Need a Police Report for a Car Accident Claim?
- No-Fault vs At-Fault States
Disclaimer: This article is for general informational purposes only and does not constitute legal or insurance advice. Coverage and rules vary by state and policy. Check your policy and consult a licensed attorney or your insurer about your specific situation.