Being on foot does not automatically leave you without coverage. Uninsured motorist coverage on your own auto policy — or on the policy of a relative you live with — can often apply when you are hurt as a pedestrian, and it frequently covers hit-and-run crashes too.
This surprises people, because they assume auto insurance only matters when they are in a car. But the coverage follows the insured person in many situations, which can include being struck while walking. Whether it applies depends on your policies and the facts.
Even though it may be your own insurer, a claim like this is still a claim against an insurance company that may resist paying full value. Knowing the deadlines and requirements — some of which are short — protects the coverage you paid for.