In Illinois, all insurance companies doing business in the state must offer every driver uninsured or underinsured motorist coverage (UM/UIM). So, in the event of a hit and run where the driver can’t be located, the injured motorist’s uninsured motorist cover is activated to cover the damages. However, if you are among those who choose not to pay UM/UIM motorist coverage and the police can’t locate the at-fault driver, then you’ve exhausted your options. Here, you’ll pay the medical expenses and take the economic hit on injuries, lost income, and property damage. There’s nothing you can do.