<prompt> Human: Ive seen it said here before but I would like to reinforce this word of advice: Buy underinsureduninsured driver for your auto policy. As I sit here in the median of an intersection with a busted rear end of my car and the driver nowhere to be seen after saying he was late for work and didnt have insurance, I cant imagine the hell Id have to go through to get compensated for damages and injuries. Fortunately he was more than willing to give me his phone number possibly fake, drivers license probably fake and I got a picture of his plate probably not his car but its a step in the right direction. Ironically just the other day I was talking with my wife about how expensive our auto policy was. I told her it was for the peace of mind Id have for days like today. Totally worth it.  <response>: FYI, depending on the state, your Uninsured Motorist Property Damage coverage may not apply if your insurance company is unable to identify the other vehicle involved and confirm they were in fact uninsured. This means in a hit and run with no information on the other vehicle you will need to have Collision Coverage on your policy in order to have coverage. 