Some states offer "Uninsured Motorist Property Damage." This will be helpful when the negligent operator possesses insurance, but the limits of liability carried by the negligent driver are not sufficient to cover the damages. You are looking for "collsion" coverage to help you fix the damage created by this hit-and-run driver. "Collision" covers damage to your car when your car hits, or is hit by, another vehicle, or other object.With this coverage, the insurance company will pay the lessor cost to either fix your vehicle or "total" it - and pay you its "actual cash value." Basically, they will pay you how much your vehicle is worth at that moment which means your vehicle's depreciation is taken into account. Also, the deductible you chose will apply.