You have been involved in an accident but have no idea 1) who the responsible driver is and 2) no means to identify that driver (i.e. “hit and run’).
Your car is damaged; you have injuries and need medical care; you have lost time from work.
Do you have anywhere to turn? The answer may be “Yes”---if you have the right insurance on your own policy.
Collision coverage: Will provide money to pay for the damages to your car is damaged in an accident, regardless of fault.
Uninsured Motorist Coverage: Will pay for your medical bills, lost wages and pain, and suffering—if the at-fault driver cannot be found.
Medical Payments coverage: Will pay for medical bills you incur for treatment for your injuries.
Unfortunately, if you have been involved in an accident but have no idea 1) who the responsible driver is and 2) no means to identify that driver, there is simply no way to recover against that driver.
But, if you have the right coverages to protect yourself in this circumstance, there is still hope on the horizon.
Lastly: Don’t be fooled into thinking that because you are dealing with your own insurance company that they will treat you any better.
Talk to an experienced personal injury law firm. Learn your rights and get the help you need.