Want this question answered?
If you have an applicable coverage it should cover you whether you run away or not.
Medical or Health Insurance
Sometimes a deductible will cover a hit and run accident if the driver does not have the license plate number. More often than not, they will not cover the accident because there is no proof of the accident.
Yes, you should be covered if someone hits you or you hit them regardless of someone leaving the scene.
That would be considered a hit and run which would fall in the comp/coll portion of an insurance policy
The person that the vehicle belongs to.
Uninsured motorists coverage is the coverage that is designed to cover this type of accident. Collision will also cover it if you don't have uninsured motorists coverage on your policy but you may be charged with an accident on your policy. A-Plus answer Comprehensive Coverage.
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.
Comprehensive Coverage.
In auto insurance, 'uninsured insurance' refers to a type of coverage for accidents caused by a motorist without insurance or hit-and-run accidents in which the driver who caused the wreck cannot be identified. In other words, your insurance may cover the cost of damage to your car, medical expenses, and other expenses. http://www.superpages.com/supertips/what-is-uninsured-or-underinsured-motorist-coverage.html
Comprehensive insurance
If you ran then you need no insurance. If you got hit and the other guy got caught...sue him.