Uninsured motorist coverage steps in

In a hit-and-run or unknown-driver crash, your own uninsured/underinsured motorist coverage typically pays for your injuries as if it were the at-fault driver’s policy. Report the incident to police and your insurer promptly—UM claims have strict notice deadlines, and California requires prompt reporting of hit-and-run crashes.

Naming a “Doe” defendant

California procedure allows you to file suit against a Doe defendant when a party’s identity is unknown, then substitute the real name once it is discovered—preserving your claim against the two-year deadline while investigation continues.

How responsible parties get found

Surveillance and doorbell video, witness accounts, vehicle debris, and police investigation frequently identify a fleeing driver. When a product or premises hazard caused the harm, the manufacturer, property owner, or maintenance company can often be identified through records.

Frequently Asked Questions

Can I recover if a hit-and-run driver is never found?

Often yes. Your own uninsured motorist coverage is designed to pay for injuries caused by an unknown or uninsured driver. Report the crash to police and your insurer promptly to protect the claim.

What is a Doe defendant?

California lets you file a lawsuit naming a ‘Doe’ defendant when a party’s identity is unknown, then substitute the real name once it’s discovered—preserving your claim within the deadline.

How long do I have to act?

Generally two years for a personal-injury claim (Code of Civil Procedure §335.1), but uninsured-motorist claims have their own, often shorter, notice deadlines—so act quickly.