Unfortunately, hit and run accidents happen regularly in Philadelphia. Though against the law people regularly leave the scene of accidents before exchanging information and oftentimes quicker than one can even take a picture of their license plate.
But that does not mean you are out of luck. Within your own insurance is Uninsured motorist coverage which is a selection you make and pay extra each month for. Uninsured motorist coverage or UM allows you to make a claim for injuries against your own insurance when the other side flees the scene or if they do not have insurance.
Some client’s resist going after their own insurance worrying it will affect their rates, despite paying extra for this exact situation each every month and it being the only source of money in these situations. Furthermore the amount of recovery could far exceed any increase in rates for which we are not certain will actually increase.