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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?"
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”View full answer
- Gregory R.
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