After an auto accident, it is the responsibility of each party to exchange information and wait for the police if they have been called. Unfortunately, some people ignore these responsibilities and drive off after an accident. This is incredibly frustrating for a person, especially if they have been injured by this negligent driver. They may worry that there is nothing they can do to recover damages for their injuries, but this is not the case. A personal injury lawyer can work to get you the money you need to make you as whole as possible after your accident.
In Michigan, adding Uninsured Motorist (UM) Coverage is optional. Some states require a driver carry this insurance, but in Michigan a driver must explicitly add it. It is generally inexpensive and can provide significant help after a hit and run. It may be wise to speak to your insurance agent about adding this coverage as additional protection against such an accident.
It’s important to note that UM Coverage only covers bodily injuries, not property damage. If a person is involved in an accident and there is only property damage, UM Coverage will not cover damages to the vehicle. That would be covered by Comprehensive and Collision coverage, which is separate. Again, your insurance agent can explain the coverage you have and how you may be impacted by being involved in a hit and run or an uninsured driver.