Does uninsured motorist insurance cover hit-and-run accidents? Involved in a hit-and-run?It's much easier to file a collision claim and let your insurance company pursue the uninsured driver to attempt to recover what they pay out. First, check your insurance company policy. Many Arizonans use Uninsured Motorist coverage (UM) and Underinsured Motorist coverage (UIM). Uninsured Motorist (UM) Coverage protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance. I was rear ended in a hit and run with an uninsured person and my car was totaled. I need a free consultation. If you have been in an accident with a driver who was uninsured or underinsured and you suffered personal bodily injury, you may qualify for a settlement. Can I still file a claim?