"Uninsured motorist coverage" (also known as UM coverage) pursuant to Minnesota law explicitly includes a hit and run motor vehicle. A person is underinsured when their policy limits are not high enough to cover all of the damages that an accident victim sustains due to their negligence.A Minneapolis uninsured car accident lawyer might be able to help you and explain your options. Call Ben Crump Law, PLLC at (844) 730-0233 to learn more. Often, car accident victims think they may be out of luck when an uninsured or underinsured driver hits them. You must have suffered 60 days of disability, permanent injury, or permanent disfigurement because of the accident. Uninsured driver; Driver under the influence at the time; Undocumented alien without drivers license. Accident report requirement. Hitandrun personal injury accidents. If you don't have collision or uninsured motorist property damage (UMPD) coverage, your car's physical damages won't be covered in a hit-and-run accident.