After promising comments from friends and family about insurance coverage regarding our hit-and-run accident, our hopes and dreams were dashed when the adjuster denied our claim.

The "uninsured motorist" clause does not take effect since we don't know who the other person is, so we don't know whether he is insured or not. If we had managed to get the full license plate, even if the car was stolen, we would have been golden. Since we do not know the identity of the other party, our insurance company cannot get its money back from the other party, so they are hanging us out to dry. Apparently they don't understand that a "hit and run" means the other party flees the scene.

Basically we're to blame for not causing the accident ourselves (then we would have been covered) or for not risking our lives to get the full license plate.