If you're the victim of a hit-and-run, there may be coverage under your auto policy to help with your expenses. The following coverages may be required or optional, depending on where you live and your situation:

Collision coverage
Uninsured motorist bodily injury coverage
Uninsured motorist property damage coverage (not available in all states)
Medical payments coverage
Personal injury protection

Also, keep in mind that each of these coverages has a limit, which is the maximum amount your policy will pay for a covered claim. You may have to pay out of pocket for any expenses that exceed your coverage limits.

Collision coverage

Collision coverage helps pay to repair your vehicle if you hit another car (or another vehicle hits your car), regardless of fault. So if you're the victim of a hit-and-run accident, you may be able to make a claim on your own car insurance policy whether the other driver is found or not.

Collision coverage has a deductible, which is the amount you'll pay out of pocket toward a covered claim. You pay your deductible even if the accident wasn't your fault. If the at-fault driver is identified and has insurance, you may be able to recover your deductible from that driver's insurance.

Uninsured motorist bodily injury coverage

Uninsured motorist bodily injury coverage helps pay for medical bills and lost wages if you're hit by a driver without insurance. According to Hg.org, uninsured motorist bodily injury coverage may also help cover hit-and-run accidents.

Uninsured motorist bodily injury coverage typically does not have a deductible.

Uninsured motorist property damage coverage

Uninsured motorist property damage coverage helps pay for repairs if your car is damaged by another driver without insurance. In some cases, it may help pay for damage after a hit-and-run.

However, uninsured motorist property damage coverage isn't available in all states. And in some states where it is available, uninsured motorist property damage does not cover hit-and-run accidents, according to the Insurance Information Institute. If you're unsure what your policy covers, talk to your insurance provider.

Uninsured motorist property damage coverage typically has a deductible.

Medical payments coverage

Medical payments coverage may help pay for your or your passengers' medical bills, regardless of fault, after a hit-and-run accident. This coverage isn't available in all states.

Medical payments coverage typically does not have a deductible.

Personal injury protection (AKA no-fault insurance)

Personal injury protection (PIP) helps pay for medical bills for you or your passengers, regardless of fault. PIP may also help pay for lost wages if you can't work, or child care if you're hurt and can't take care of your kids.

PIP coverage varies among states. In some states, PIP isn't available. In others, it's mandatory.

A deductible may apply, depending on your state's laws.