Who pays the damage for a hit-and-run if the at-fault driver is not charged with damages?

Driver is liable for whatever damage he causes. Why do you people have some notion to the contrary? Every inquiry I get about hit and run seems to involve the driver who thinks if he can hide he avoids liability. You buy insurance. Insurance pays the damage. End of ballgame.why is this so hard to understand for the younger generation of drivers. You don't avoid liability by running, hiding, fudging, lying.. Buy insurance. Tell the company the truth, forget it and let them pay the damage. that is what insurance is all about,. That is what the system is all about.