Every auto insurer offers optional uninsured motorist coverage. This additional insurance covers you and your car if the driver and vehicle that hit you was uninsured, or if they fled after the collision and cannot be found. It acts like insurance for the uninsured (or missing) driver that hit you. Uninsured motorist insurance is optional, so you may not have it. Wise drivers purchase this very inexpensive but important coverage to protect them against uninsured drivers’ negligence.
If you don’t have this insurance, and the driver that hit you does not have any insurance, or flees the scene, you will not be compensated for your damages.
