The best protection is to carry the maximum amount of uninsured motorist insurance. This lets you collect money from your own insurance company in the event you’re in an accident with an uninsured or hit-and-run driver. You should also carry under-insured motorist insurance. This pays you benefits if the other driver does not have enough insurance to pay for all your injuries and losses. Even if you don’t own a car in New York State , you may be able to make a claim with MVAIC, a corporation set up to protect hit and run victims. There are strict time limits to make your claim, so please call us right away.