Keep in mind that your auto insurance provider will probably increase your
insurance premium if you file a UM claim against them. Even though you
were not at fault for the hit and run accident, there is not another insurance
company to challenge for the damages. As such, your insurer will probably
treat your premiums as if you were in a single-car collision. Although,
some insurers offer accident forgiveness policies or won’t increase
premiums for an uninsured or hit and run claim. It all depends on the
specifics of your policy.