The premium charged for health insurance is based on a person's health, medical history, age, amounts of deductibles and co-payments and the "richness" of the benefits provided by the policy. "Richness" refers to the extent of benefits provided, the degree of choice of providers, annual and lifetime benefit limits, and other factors.
With respect to any insurance, premium is always paid in advance, so almost by definition, a premium has been paid at the time the insurance is used (if it was not timely paid, the policy would normally have been canceled). In fact, before a policy is initially issued, a premium must accompany the application.
In this case you would use your Uninsured Motorist coverage if you have this coverage. Your UM coverage will pay for damage to your vehicle less your deductible. If later the person is found and their insurance or they personally pay for the damages then your insurance company will get reimbursed and you will also get back your deductible that you paid in you UM coverage.
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