If it isn’t possible to identify the hit-and-run driver or the driver who hit you truly is uninsured, then another option you have is to file a claim with your own auto insurance company. You can file a MedPay claim to help cover your medical expenses. And if you have the coverage, you can file an uninsured motorist (UM or UIM) claim to seek additional compensation. If you have uninsured motorist coverage for more than one vehicle, you may also be able to “stack” your coverage in order to increase your total financial recovery.
While MedPay is no-fault insurance, filing a successful uninsured motorist claim requires evidence of fault. Additionally, while you can simply submit your medical bills to receive reimbursement through MedPay (or at least this should be the case), you will need to prove your immediate and long-term losses in order to secure uninsured motorist coverage. For these reasons, even though you will be dealing with your own insurance company, it is still highly advisable to work with an experienced auto accident attorney.