Unidentified motorist coverage refers to an insurer paying the owner of an insured vehicle for an accident where the perpetrator is unknown or whose identity cannot be traced. The insured must follow a process including surrendering the damaged vehicle for inspection for the insurer to cover loss or damage.
Unidentified motorist coverage, if present in a person's car insurance policy, will help the driver of the insured in a hit-and-run accident. The driver must be able to prove that the accident was hit-and-run, or that the other driver cannot be identified for other reasons. Certain insurers require that such an accident should be reported to the police and the insurer within a specific period of time for the insurer to start processing a claim.
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