Hit and run accidents are also usually covered by your uninsured/underinsured motorist coverage. In this case, your damages and expenses should be covered by your insurance company. DO NOT SETTLE with the other driver's insurance company until you know every detail about what your damages and injuries will cost and review these with your own Personal Injury lawyer. Your underinsured motorist coverage may not provide compensation to pay for the amounts over and above the other driver's insurance if you have settled with them. This is another important reason to contact and review everything with your own Personal Injury lawyer. Also remember that your insurance company will request a credit if you are paid over and above the reported benefits from the other driver's insurance. This includes any stackable uninsured/underinsured insurance allowed by some states. The combination of insurance coverage from several policies or insurance coverage for several vehicles listed on one policy may apply.