In a hit-and-run accident where the driver cannot be identified, which coverage applies?

• A. Uninsured Motorist
• B. Liability
• C. Collision
• D. Medical Payments

Answer: (A)

Uninsured motorist coverage protects you when the other driver is not identified or has no insurance. In a hit-and-run, the responsible driver can’t be located, so there’s no identifiable at-fault party to bill through liability coverage. UM coverage steps in to compensate for injuries (and in many policies, property damage) caused by an uninsured or unknown motorist. Liability wouldn’t apply here because there’s no identifiable driver to hold responsible. Medical Payments would cover medical bills but doesn’t address the situation of an unidentified at-fault driver, and Collision deals with damage to your own car from a crash when the other driver is known or at fault, not the missing driver scenario.