Hit-and-run accidents are an unfortunate reality. They complicate things a bit with your insurance claim. In most states, your uninsured motorist coverage is used by your provider in lieu of the other person's liability coverage, according to Esurance.com. However, some states don't allow this approach, so your own collision coverage, if you carry it, may be used to pay for the damages.

More About Uninsured Coverage

Uninsured property and injury coverage is typically under the umbrella of liability protection in your auto policy. If you don't know who hit your car, it is difficult for your insurer to label someone else as "at-fault" in the accident. The uninsured coverage essentially fills that gap and pays for your damage and injuries. California, Colorado, Georgia, Illinois, Louisiana and Ohio are the six states that don't allow uninsured benefits in hit-and-run cases.