Coverage may still exist, but the route depends on the policies and people involved.
Look beyond the first answer
An uninsured driver can complicate recovery, but the analysis may include uninsured-motorist coverage, household policies and the ownership or use of the involved vehicles.
Policy terms matter
Notice, cooperation and other policy requirements may apply. Preserve the collision information and obtain the actual coverage documents rather than relying only on a summary.
Hit-and-run considerations
When a driver leaves the scene, prompt reporting and available independent evidence can become especially important. Specific coverage requirements may apply.
A careful next step
General information can help you ask better questions, but it cannot account for every fact, insurance policy or legal deadline. If you need advice, speak with qualified counsel about your circumstances.