How uninsured motorist claims work
Uninsured motorist (UM) coverage pays for your injuries when the at-fault driver has no insurance or cannot be found. Underinsured motorist (UIM) coverage helps when the at-fault driver's limits are too low to cover your losses. Some states require insurers to offer this coverage; many drivers have it without realizing.
Even though it is your own policy, your insurer becomes the opposing side in a UM/UIM claim and will try to minimise the payout. Policies also contain strict notice and cooperation rules.
Steps to take after a hit-and-run
- Call police and report the crash promptly — many policies require it for a hit-and-run claim
- Write down anything you remember: plate, make, colour, direction of travel
- Ask nearby businesses for camera footage quickly
- Get medical treatment and keep every record
- Notify your insurer, but get advice before giving a recorded statement
Frequently asked questions
Can I get compensation if the driver was never found?
Often yes, through uninsured motorist coverage on your own policy or a household member's policy, if the policy includes it and you followed its reporting requirements.
Will a UM claim raise my premiums?
Rules vary by state, and many states restrict increases for not-at-fault claims. An attorney or your state insurance department can explain your protections.