Sorry, Fletch. You're not as 100% right as you say.
http://www.esurance.com/insurance-re...-motorist-myth
OP is in California.
Quote:
Another excellent reason to buy uninsured motorist coverage
Besides covering the costs involved in paying for an accident with an uninsured motorist, there's one more great reason to buy uninsured motorist coverage: hit-and-run collisions.
If your car is struck by a driver who refuses to stop and trade insurance info, uninsured motorist property damage coverage will provide full compensation for the accident, depending on your state's laws. The following states do not allow the application of uninsured motorist property damage coverage in hit-and-run collisions:
•California
•Colorado
•Georgia
•Illinois
•Ohio
•Louisiana
In those states, your collision coverage applies as it normally would.
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