Does Uninsured Motorist Insurance Cover Hit-and-Runs?

Cop: "Alright, sir, can you tell me what happened from the beginning?"

Victim: "Sure. I was driving down Main Street around 2:30 PM when I saw a car coming towards me in the opposite lane. It seemed like the driver was distracted, and suddenly, it swerved into my lane. Before I could react, it hit the side of my car. The impact was pretty strong. I checked to see if I was okay, but thankfully, I wasn't seriously hurt. However, my car sustained significant damage."

Cop: "I'm glad you're alright. Did you see the driver or the license plate number?"

Victim: "Unfortunately, no. The car sped off immediately after the collision. I tried to chase after them, but they were gone too quickly."

Cop: "That's unfortunate. Do you have any idea what kind of car it was?"

Victim: "It was a sedan, possibly a black or dark gray color. I think it might have been a newer model."

Cop: "Okay, that's helpful. Now, do you have insurance on your vehicle?"

Victim: "Yes, I do. I have comprehensive, collision, and liability."

Cop: "That's good. Now, do you have uninsured motorist coverage?"

Victim: "I'm not sure. I'll have to check my policy."

Cop: "It's important to have uninsured motorist coverage, especially in cases like this. It can help cover your medical expenses and property damage if you're involved in an accident with a driver who doesn't have insurance or is a hit-and-run driver."

Victim: "I'll definitely check my policy. I didn't realize that uninsured motorist coverage could help in this situation."

Cop: "It's a good thing to have. While it won't necessarily catch the driver, it can provide financial relief during a difficult time. I'll need to get a report filed and gather any evidence I can find at the scene. In the meantime, I recommend contacting your insurance company to report the accident and see what coverage you have."

Victim: "Thank you for your help. I'll do that right away. Do you think there's a chance of finding the driver?"

Cop: "It's possible, but it will depend on whether there were any witnesses or if there are any surveillance cameras in the area. We'll do our best to investigate the incident. In the meantime, I recommend taking pictures of the damage to your car and documenting any injuries you might have."

Victim: "Thank you for the advice. I'll be sure to do that."