It’s not just the car insurance, a former colleague was hit in what essentially would be a hit and run because the driver might as well have run off as the outcome was the same.

They have pretty severe health problems now and pretty much lost the use of one of their arms.

Not only was the driver not punished but it was also impossible to claim further compensation form their insurer or from them directly.

It should, but I believe you'd still be out the deductible.