If you ran then you need no insurance. If you got hit and the other guy got caught...sue him.
If you were the victim of a hit and run then your insurance rates shouldn't change. If you were doing the hit and run then you should expect to get cancelled.
victim compensated in hit/run stolen car
After a hit and run, the individual hit should file a police report as soon as possible. That police report should then be presented to the person's insurance company who will assess the damages to the vehicle.
Medical or Health Insurance
The insurance company is not required to report a hit and run to the police but in most all personal auto policies, the insured is required to report a hit and run to the police before the insurance company will treat the claim as an uninsured motorist claim. This is usually a policy requirement.
you would have to claim it on your own insurance.
Pretty much nothing. Learn a lesson, always carry insurance!
In a case that is like this, the insurance company can pay under uninsured motorist and attempt to collect when the hit and run driver is found. Although it is not your fault the insurance company will keep a record and note if you have a repeat of this happening.
Yes. As long as you were insured when the accident happened they will pay the claim.
Hit and run is considered a moving violation and will never change the circumstances of an accident. The facts will be weighed without the hit and run.
If you were the victim of hit and run driver, and your vehicle damaged others as a result - notify your insurance company and it, and the insurance companies of the other damaged vehicles, will engage in what is known as "subrogation" of the costs of repairing the vehicles involved.