Recovering compensation after a hit-and-run accident depends on a number of factors, the biggest one being whether you can find the driver who hit you. If you can find the driver, it’s relatively straightforward to collect compensation with help from an experienced hit-and-run accident attorney. In cases where the other driver can be found, you can pursue damages for your past and future medical costs, lost wages, your physical pain, and suffering, and other losses suffered in the accident.
If you cannot find the other driver, or the other driver does not have sufficient insurance to cover your losses, things get a bit more challenging. In these situations, your best option is to file a claim with your own insurance provider using your uninsured (UM) or underinsured motorist (UIM) coverage. Colorado law requires insurance companies to offer this coverage to drivers, though it does not require drivers to purchase this coverage.
If you do have UM/UIM coverage, you can file a claim with your insurance company to seek compensation for your medical bills, any medical bills for other passengers in your car, and any property that was damaged in the accident. If you do not have UM/UIM coverage or some other type of coverage like medical payments (MedPay) or personal injury protection (PIP), you most likely will not be able to collect any compensation.