What type of auto coverage will apply in a hit-and-run accident where the driver cannot be identified?

In a hit-and-run accident, the type of auto coverage that applies is uninsured motorist coverage. This coverage is designed to protect policyholders when they are involved in accidents with drivers who do not have insurance or, in this case, when the other driver cannot be identified. Uninsured motorist coverage is specifically aimed at addressing situations where the responsible party is either unidentified or insufficiently insured, allowing the victim to claim for damages and medical expenses.

Comprehensive coverage, on the other hand, typically covers damage to a vehicle caused by incidents not involving a collision with another car, such as theft or weather-related damages. Collision coverage is relevant when a driver has an accident with another identifiable vehicle, covering the costs of repairs regardless of who is at fault. Bodily injury liability covers the policyholder's legal responsibility for injuries caused to others in an accident, but it does not provide any benefits to the policyholder themselves in the event of being injured by an uninsured driver or a hit-and-run driver. Thus, uninsured motorist coverage is the appropriate protection for such situations.