What constitutes a hit-and-run under uninsured motorist conditions?

In the context of uninsured motorist coverage, a hit-and-run occurs when a driver causes an accident and then leaves the scene without providing their contact information or insurance details. This is critical because uninsured motorist coverage is designed to protect individuals from financial losses that arise from accidents involving parties who either do not have insurance or, in this case, flee the scene, making it impossible to identify them.

For a claim under uninsured motorist conditions, the essence of a hit-and-run is the anonymity of the responsible party, which directly impacts the victim's ability to recover damages. In North Carolina, as well as in many other jurisdictions, this situation allows the victim to seek compensation from their own uninsured motorist coverage because the at-fault driver is untraceable.

The other scenarios provided do not align with the definition of hit-and-run in this context. The second option refers to a driver causing an accident without valid insurance, which doesn’t necessarily involve fleeing the scene. The third option, identifying a driver later, means that the status of the driver is no longer that of a hit-and-run. The fourth option about running traffic lights does not pertain specifically to hit-and-run situations without the element of leaving the scene. Therefore, the first