FAQ

Does uninsured motorist coverage apply to hit-and-run accidents?

Short Answer

Quick guidance

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.

Full Answer

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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