In a hit and run accident, is there any liability insurance for property damage or injury?

In the context of a hit and run accident, the liability insurance situation can be complex. When the responsible driver flees the scene, there may not be anyone to hold accountable for damages, which leads to challenges in claiming compensation through traditional liability insurance. If the driver cannot be identified, victims are typically left without a direct source of recovery from liability insurance since it relies on having an at-fault party to pursue for damages.

In many jurisdictions, there are provisions like uninsured motorist coverage that might cover accidents involving hit and run incidents, but this coverage is not directly related to liability insurance since liability is based on being able to sue the responsible party. Essentially, without an identifiable driver, the normal paths to file a claim against someone's liability insurance are obstructed, emphasizing the issue of not having someone to sue in such situations.