You cannot account for how other people drive, which may be the reason you have under/uninsured motorist coverage on your insurance policy. If you were to find yourself injured in a hit-and-run accident, would your policy cover your resulting medical bills?
Forbes explains whether under/uninsured motorist coverage handles hit-and-run accidents. Determine whether you have to pay for your own personal injury medical costs.
Whether your policy takes care of your injuries and other damages depends on the coverage you have. For instance, uninsured motorist bodily injury handles resulting medical bills. If both you and your car sustain damage, uninsured motorist property damage pays for vehicle damage. Say that you do not become injured because of a hit-and-run accident with another car. If a pedestrian struck your car, and you became hurt that way, it still qualifies as a hit-and-run.
Gathering evidence about the hit-and-run accident helps your claim and any legal action that you take. Immediately after the incident, pull over to determine whether you and anyone else in the car with you are OK. Take pictures of any damage to your car, and note as much information about the accident as you can remember, such as the make, color and model of the vehicle or person who hit you. Also note the time of day and location of the accident and the direction in which the car or pedestrian fled. Call the police and have them make a report of the accident, which helps your claim and your legal case. Even if you feel fine after the accident, get a physical examination; you could have minor injuries that you may not notice.
Do not pay for someone else’s negligence. Talk to your insurance agent to determine if you have adequate under/uninsured motorist coverage to handle hit-and-run injuries.