does underinsured motorist insurance cover hit and runs 
no uim coverage doesn t apply to hit and run accidents because this type of coverage applies when the driver doesn t have enough insurance since a hit and run driver wasn t identified they re typically classified as an uninsured motorist and um coverage usually applies in some states you may also need collision coverage if you re not sure check with your insurance agent 10the bottom lineunderinsured motorist coverage protects you when after an accident caused by a driver who doesn t have enough insurance to cover the costs of your medical bills and property damage it s required in some states and available as an optional endorsement in others 