What type of insurance will pay for damages if you are a victim of a hit-and-run driver?

Uninsured motorist coverage. If you don't have UM coverage collision will pay instead. I write UM coverage on almost every auto policy we write unless the client is adamant that they do not want it. UM pays as if the person did have insurance but your carrier is the payor. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.