The “Minor” Accident
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FAQ
Short Answer
Generally yes. When the at-fault driver cannot be identified, your own UM coverage is often the only realistic source of compensation for your injuries.
Generally yes. When the at-fault driver flees and cannot be identified, your own uninsured motorist bodily injury coverage steps in as if the phantom driver were uninsured.
California imposes conditions: there generally must have been actual contact with the hit-and-run vehicle, and you must report the incident promptly to police and your insurer. Report fast and document everything at the scene — those steps protect your right to the coverage you paid for.
This answer comes from our guide
Why LA & OC Drivers Need Uninsured Motorist Coverage
Read the full guide
Last reviewed: 2026-06-12
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