If I am involved in a hit and run and I am not at fault, am I forced to pay out of pocket?
No, you are not. All basic insurance policies include Uninsured and Underinsured Motorist Coverage. What this means is that if you are hit by an uninsured or hit-and-run driver, your insurance coverage will reimburse you for your damages. Underinsured motorist coverage will come into effect when the at-fault driver does not have sufficient insurance coverage to pay for your loss.