The Process of Filing a Personal Injury Claim for a Hit-and-Run Accident in New Jersey
Filing a personal injury claim after being involved in a hit-and-run accident in New Jersey can be a daunting task. Understanding the legal process and knowing the necessary steps can help you navigate this challenging situation more effectively.
1. Ensure Your Safety and Seek Medical Attention
First and foremost, your safety and health are paramount. After a hit-and-run accident, make sure to check for injuries and seek medical attention if necessary. Even if you feel fine, it’s crucial to visit a doctor, as some injuries may not be immediately apparent.
2. Report the Accident to the Authorities
Once you have ensured your safety, report the incident to local law enforcement. In New Jersey, it is required to notify the police of any motor vehicle accident. Provide them with as much information as possible, including the time and location of the accident, vehicle descriptions, and any details about the driver, if available.
3. Gather Evidence
4. Notify Your Insurance Company
Contact your insurance company to report the accident as soon as possible. In New Jersey, you may have coverage under your own policy through Personal Injury Protection (PIP). Provide your insurer with the details of the incident and any evidence you have collected.
5. File an Accident Report
Filing an accident report with the New Jersey Motor Vehicle Commission (MVC) is also essential. This report is necessary for any further claims you may need to file. Ensure you submit this report within the required timeframe, typically within 10 days of the accident.
6. Consider Your Legal Options
Given the complexities involved in hit-and-run accidents, consulting with a personal injury attorney experienced in New Jersey law is highly recommended. They can help you understand your rights, assess your case’s viability, and guide you through the filing process.
7. File a Personal Injury Claim
If the hit-and-run driver is identified, you can file a personal injury claim against their insurance. If they remain unidentified, you may have to rely on your own PIP coverage or pursue an Uninsured Motorist claim through your insurance policy.
8. Keep Detailed Records
Throughout the process, maintain detailed records of all communications, medical treatments, and expenses related to your injury. This documentation can support your claim and help in negotiations with insurance companies.
9. Attend All Required Medical Appointments
Following your doctor’s orders and attending all medical appointments is crucial. Not only does this ensure your health, but it also demonstrates to insurance companies that you are taking your recovery seriously.
10. Be Aware of Statutes of Limitations
In New Jersey, there is a statute of limitations for personal injury claims. Generally, you have two years from the date of the accident to file a claim. Failing to do so within this timeframe could result in losing your right to compensation.
In conclusion, the process of filing a personal injury claim for a hit-and-run accident in New Jersey involves several important steps. By ensuring your safety, gathering evidence, notifying insurance authorities, and seeking legal advice, you can navigate this complex process with greater confidence.