If the driver who hit you fled the scene and cannot be located, you may be able to file a claim against your own insurance policy for your damages. Under Massachusetts law, all drivers are required to carry uninsured motorist (UM) and underinsured motorist (UIM) coverage in an amount equal to their policy’s bodily injury liability limits. UM/UIM coverage is often used in situations where the at-fault driver in an accident either did not have insurance or lacked sufficient insurance to pay for a victim’s damages. For example, if you suffered catastrophic injuries in a collision with a driver who only had the minimum auto insurance coverage required by the state, it may not be enough to cover your losses.  In Massachusetts, drivers are only required to carry auto insurance coverage in the amounts of $20,000 per person and $40,000 per accident for bodily injury, plus $5,000 for property damage per accident and PIP coverage. If your medical bills alone exceeded $70,000, then you can file a claim with your own insurer for the amount that was not covered by the at-fault driver’s insurance. UM/UIM coverage can also be used for hit and run accidents. The other driver is considered an “uninsured driver” in this scenario. If you can prove that the other driver was at-fault for the crash, then you can file a claim for your losses with your own insurance company, up to your UM/UIM policy limits. In addition, a skilled Worcester car accident attorney will thoroughly investigate your accident to determine if another party may be responsible for the accident. For example, if the accident was caused (in part) by poor visibility due to overgrowth trees and shrubbery alongside the road, the government agency that was responsible for maintaining this land may be brought into the case. These kinds of cases can be complex, so it is important to work with a personal injury law firm with the experience, knowledge, and resources to get you the compensation that you deserve.