Most states require every driver to carry automobile liability insurance.
However, some drivers do not obey this law. If you have been injured in an automobile accident by a driver who does not have insurance, does not have enough insurance, or was a hit and run driver, you may still be able to recover damages for your injuries under what is known as uninsured motorist coverage. The law permits you to file a claim with your own insurance company to recover for injuries caused by drivers with insufficient or no insurance. Before you are able to make such a claim you must make a police report of the accident and promptly report the accident to your own insurance company. It's important to know that in the case of a hit and run, you may only recover damages for your injuries if there was actual contact between the hit and run driver's car and your car or you, if you were a pedestrian.