What type of insurance would cover a hit-and-run accident by an uninsured driver?

Uninsured Motorist Bodily Injury Insurance is designed specifically to protect you in situations where you're injured in an accident caused by a driver who does not have insurance or cannot be identified, which is often the case in hit-and-run scenarios. This type of coverage helps pay for medical expenses, lost wages, and other damages resulting from the accident.

In contrast to other types of insurance, such as Auto Liability Insurance, which covers damages you cause to others, or Comprehensive Vehicle Insurance, which protects against non-collision events (like theft or natural disasters), Uninsured Motorist Bodily Injury Insurance directly addresses injuries sustained due to the negligence of an uninsured driver, thereby providing essential financial support when facing such challenging circumstances. Collision Insurance would only cover damages to your own vehicle in a collision, not medical expenses related to injuries.