Does uninsured motorist insurance cover hitandrun? In California, fortunately, the answer is yes.Filing and Negotiating an Uninsured Motorist Claim. Your uninsured and underinsured policy will cover you, the named insured and any relatives who reside with you, even if they don't drive. This guide discusses what to do after an accident and what to expect when you file a claim with your insurance company. If you were involved in a San Jose uninsured motorist accident, then one of Golden State Lawyers's accident injury lawyers can investigate your case. How Will My Insurance Protect Me in a Hit and Run? UMPD coverage typically has a deductible you'll need to pay out of pocket. Learn more about uninsured motorist coverage. How to Request a Car Accident Report in Santa Clara County.