There were 2 witnesses and I have uninsured and underinsured coverage. My car was involved in a hit & skip 2:48 am and 2 people saw the car take off. My insurance won’t cover it because they don’t have the drivers information and said they don’t have to take care of the damages since I live in Ohio. I have 2 unbiased witnesses. Why don’t insurance companies tell you this when you’re buying it, up front? I believe it was our neighbor cause his car was smashed in at the same time but he hid it in his garage till he got it fixed. I’m stuck with a badly damaged car and am on SSDI. Please help, what can I do to get my car fixed or totaled out???