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Accidents are stressful, but they become even more overwhelming when the other driver flees. Hit-and-run incidents often leave victims feeling stranded and uncertain. In New Jersey, insurance laws protect to help victims manage such situations.

Knowing your rights and available options is essential to ensure you receive the compensation you deserve. Comprehending how your insurance can support you is the first step in handling these challenging situations effectively.

How Does NJ Insurance Handle Hit-and-Run Cases?

New Jersey operates under a no-fault insurance system. This means your insurance policy typically covers your medical expenses, regardless of who caused the accident. However, if the other driver is responsible but flees the scene, here is what to consider:

Personal Injury Protection (PIP)

In New Jersey, Personal Injury Protection (PIP) is mandatory in every auto insurance policy. It covers medical expenses, lost wages, and essential services if you’re injured in an accident, even if the other driver flees. Coverage limits range from $15,000 to $250,000, depending on your policy.

Uninsured Motorist (UM) Coverage

Uninsured Motorist (UM) coverage is an essential part of NJ insurance policies. It protects you if you’re in an accident with an uninsured driver or in a hit-and-run where the driver cannot be identified. UM coverage can help with property damage, such as repairing or replacing your car, and bodily injury, covering medical expenses and related costs for injuries caused by the accident.

Underinsured Motorist (UIM) Coverage

While UM coverage handles hit-and-run situations, Underinsured Motorist (UIM) coverage applies when the at-fault driver’s insurance isn’t enough to cover your losses. Though not directly related to hit-and-run incidents, it’s worth knowing that UIM can be compulsory in other accidents.

What Steps to Take After a Hit-and-Run in NJ

When the other driver flees, it can feel intense. Taking swift and strategic action is essential to protect your rights, gather evidence, and strengthen your case, ensuring you receive the necessary support and compensation for the incident like:

Call the Police Immediately

The first step is to report the accident to the police. Providing as much detail as possible such as the other vehicle’s make, model, or license plate number can assist in the investigation. A police report will also be essential when filing an insurance claim.

Document the Scene

If you’re able, take pictures or videos of the accident scene. Capture any visible damage to your car, your injuries, and nearby surroundings. This evidence can support your claim and prove the severity of the incident.

Notify Your Insurance Provider

Inform your insurance company about the accident as soon as possible. Provide them with all the details, including the police report and any evidence you gathered. This helps them process your claim more efficiently.

What Happens When You File a Claim for a Hit-and-Run

Filing a claim after a hit-and-run ensures you can access financial support for damages and medical expenses. In New Jersey, uninsured motorist (UM) coverage, typically included in policies, helps cover these situations, offering relief even if the other driver is unidentified. Rosengard Law Group, a reputable NJ personal injury firm, provides a comprehensive guide on leaving the scene of an accident, helping you understand the claims process and ensuring your policy covers medical expenses and property damage.

If damages exceed your coverage limits, legal assistance may be necessary to explore additional options. Hit-and-run offenders face harsh penalties in NJ, including fines, license suspension, and jail time. This reflects the seriousness of the offense and aims to discourage such behavior.

How to Protect Yourself from Hit-and-Run Scenarios

New Jersey insurance laws provide essential protection. However, taking additional steps can further safeguard you from the financial strain of hit-and-run accidents. These extra measures offer added security and peace of mind in challenging and unexpected situations:

Choose Higher UM/UIM Coverage Limits

Standard policies often have minimum coverage limits, which might not be enough for serious accidents. Opting for higher limits can provide better protection if you’re in a hit-and-run or encounter an uninsured driver.

Install a Dash Cam

A dash camera can capture real-time footage of your accident. This evidence can be invaluable in identifying a fleeing driver or supporting your insurance claim.

Stay Calm and Collected

Although emotions may run high during a hit-and-run, keeping calm helps you think clearly. Focus on collecting information, ensuring your safety, and following the necessary steps.

Why It Is Necessary to Keep Data

Accurate data on hit-and-run accidents plays a vital role in addressing this serious issue. By tracking the frequency and patterns of these incidents, authorities can identify high-risk areas, improve road safety measures, and enforce stricter penalties for offenders.

For victims, having access to reliable data highlights the importance of adequate insurance coverage and staying prepared. It also helps raise awareness about the emotional, financial, and physical toll these accidents can take, encouraging preventive actions and stronger legal protections.

Conclusion

When a hit-and-run occurs, it’s important to be aware of how NJ insurance can help. With coverage options like PIP and UM, victims can secure medical treatment and property damage compensation, even when the responsible driver flees. Acting quickly strengthens your case and ensures timely support.

Taking proactive steps, such as increasing coverage limits and staying informed, can offer added protection. Being prepared makes it easier to handle these stressful situations and get the assistance you need.