Who Will Pay My Bills If I Was Hurt in a Hit-and-Run?

 Posted on September 15, 2025 in Car Accidents

In a hit-and-run car accident, the at-fault driver may never be found. That is why people who are injured in these types of crashes often worry they will be left to handle all their expenses on their own. 

Fortunately, Colorado law requires insurance companies to offer coverage that can protect you in exactly this type of situation and you can still file a personal injury claim. If you were hurt in a hit-and-run, a Denver, CO car accident lawyer can review your insurance options and fight for the compensation you need.

How Does Uninsured Motorist Coverage Work After a Hit-and-Run?

Uninsured motorist (UM) coverage is one of the most important protections available in Colorado. When you are hurt in an accident but you cannot file a claim against the other driver — for example, if the other driver is not insured or has fled the scene — UM insurance can cover your losses. Depending on the circumstances, UM insurance may cover the medical costs of your injury, lost income and reduced future earning capacity, pain and suffering, and long-term needs such as physical therapy or mobility aids.

Colorado requires insurance companies to offer UM coverage in the same amount as your liability limits, unless you reject it in writing. That means you might have it and not even realize it.

What Does Medical Payments (MedPay) Coverage Do?

Medical payments coverage (MedPay) is another way hit-and-run victims can get help. Unlike UM coverage, MedPay applies immediately, no matter who was at fault. This makes it especially useful right after a crash when bills start arriving.

MedPay can pay for:

• Emergency room treatment

• Ambulance services

• X-rays, MRIs, and other diagnostic tests

• Doctor visits and follow-up care

Colorado law requires insurers to automatically include at least $5,000 of MedPay coverage with every policy unless you decline it. Some drivers choose to increase this amount for extra protection.

Are There Other Sources of Compensation for Hit-and-Run Victims?

UM and MedPay are often the most direct ways to recover compensation. However, there are other potential sources for getting your expenses and damages covered, depending on the facts of your case. 

For example, if a bar or restaurant overserved alcohol to a drunk driver who hit you, Colorado’s Dram Shop laws may allow you to hold that business financially responsible. If the driver borrowed a car from someone who knew they were unsafe or unlicensed, the vehicle’s owner might also share liability under what is known as negligent entrustment. 

A lawyer can review the details of your accident and advise you on your best path to compensation.

Contact a Denver Car Accident Lawyer

Just because you were hurt in a hit-and-run accident does not mean you are without options. By using your uninsured motorist and MedPay coverage — and exploring other possible directions — you may still recover the compensation you need for medical care, lost wages, and more. A Denver, CO car accident attorney at The Gold Law Firm can guide you through the claims process and fight for the benefits you need. Call 303-694-4653 today to schedule your free consultation.