Does uninsured driver insurance cover a hit and run in California?
Hi! My car was smashed by a hit and run driver (fortunately I was not in it). Unfortunately, it seems unlikely that the police are going to find them. I only have liability insurance. I have found several anecdotal accounts of people in California having their uninsured driver insurance, included in liability, cover damage to the vehicle caused by a hit and run. A lawyer also told me this is the case (he was not soliciting my business but happened to be passing by when I found my wrecked car). My insurance company told me that in California, uninsured driver insurance only covers KNOWN uninsured drivers, and if they don’t know who hit you, you’re out of luck. Does anybody know if there is some legal loophole I can throw at the insurance company or anything? Or is this kind of thing at the insurance company’s discretion? I don’t know how other people could have gotten paid for their cars in this situation if it’s really not required by law. Thank you. Additional info: I do have uninsure
