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In the U.S., in states that do not have No-Fault insurance: You need Uninsured Motorist coverage to cover damage to your car in case of hit and run. In order to not be held At Fault inappropriately, get the contact information of any witnesses, and explain what happened to the police. If there is doubt about who is at fault, the insurance company may decide based on the police report (including what citations were issued). A court decision, including assumed guilt if a citation is not contested, will often determine fault.

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Q: How do you handle the insurance after a hit and run and person deny hitting your car?
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