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which insurance protects you if you are injured by a hit- and-run driver or a driver who has no way to pay costs?

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Uninsured motorist coverage protects you if you're hit by a driver who has no auto insurance. Underinsured motorist coverage, which is usually offered alongside uninsured motorist coverage, protects you if you're hit by a driver who doesn't have enough coverage to pay for the damages or injuries they caused.
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