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This is a strange question. I am not sure why any driver would leave the scene if it was clear that another person was At Fault. Your question stated 'if the driver you hit', not the driver who hit you. The only reason I can imagine this would happen is if the other not-at-fault person did not want an encounter with the police department or to have any type of claim activity, even with YOUR carrier.

Are you sure you meant if the driver YOU hit left the scene?

I believe you probably did mean 'who will pay for the damages to your car if the driver that hit YOU left the scene." Is that what you meant? The other party may well be at fault, but if you do not have his insurance information or were not able to write down year, make, model and license plate number, you cannot find his insurance carrier and file a claim with them.

You can, however, invoke your own UM coverage, if you carry it on your policy. UM is Uninsured Motorist coverage and will 'step in' and provide the same coverage the at fault driver's carrier would have provided, if he had an in-force insurance policy. Also, if you have Collision Coverage, you can also use that. You will have to pay your deductible, and your insurance carrier will attempt to recover both their paid costs and your deductible, if the driver becomes known. If you have and use UMPD coverage, you will also have LOU/Loss of Use available to you. This provides for alternate transportation while your vehicle is non driveable. If you do not have UMPD, but do have Rental Reimbursement, it will be available to you, to provide alternate transportation. Should you use RR, you have a limited number of days available to you and a limited dollar amout; however, if circumstances allow LOU under UMPD coverage, you will be able to have the rental or other alternate transportation until your vehicle is repaired and fully functional.

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Q: Who is at fault for insurance purposes if the driver you hit left the scene?
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Who is at fault for insurance purposes if the driver you hit has no license and is charged with hit and run for leaving the scene?

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