This driver is considered "uninsured" for purposes of making a claim against your own policy. If you're a victim of a hit-and-run accident, you can file a claim against your uninsured motorist coverage.Uninsured motorist coverage (UM) is required in Massachusetts so it will always accompany your purchase of liability insurance. In the instance of a hit-and-run, uninsured motorist (UM) and underinsured motorist (UIM) coverage can be a saving grace. In Massachusetts, hit-and-run accidents are a common problem, and they can be especially difficult to deal with if the other driver is not found. Hit-and-run accident victims should be aware of two important required conditions to properly receive uninsured motorist claim benefits. While your amount of under and uninsured motorist coverage depends on your insurance policy limits, there is often something that can be recovered. This is known as uninsured motorist coverage. We recently represented a man who was injured in a hit-and-run car accident in Framingham, Massachusetts. Consider Legal Assistance: Consult a car accident lawyer for help in filing a claim against a hitandrun driver.