Mar 2026
5 min read
The other driver had no insurance — or drove off entirely. Most people assume that’s the end of it. It usually isn’t.
Where the money actually comes from
Compensation doesn’t have to come from the at-fault driver’s wallet. Your own policy, statutory schemes, and sometimes third parties all exist for precisely this situation.
Uninsured/underinsured motorist coverage on your own policy.
Statutory funds and nominal-defendant schemes for hit-and-runs.
Other liable parties — employers, vehicle owners, venues that over-served.
Hit-and-run: act fast
Unidentified-driver claims have strict early reporting requirements — often to police within days. The sooner the incident is documented, the more routes stay open.
Your own insurer is still an insurer
An uninsured-motorist claim puts you in negotiation with your own insurer — and they evaluate it exactly like an opposing claim. The same low-first-offer playbook applies.
A hit-and-run client was told there was no one to claim against. We recovered $780,000 through her own policy.
Find out what routes you have
Bring us the crash details and your policy; we’ll map every available route in one free review. No fee unless we recover for you.
