There are certain standard procedures that drivers should follow in the aftermath of a car crash. Typically, they need to stop and inspect themselves and their passengers for injuries. They need to check on the other motorists involved in the crash to ensure that they are uninjured or at least able to care for themselves.
After that, the next step is to contact local authorities and wait for police officers to arrive. First responders can provide medical care and emergency transportation to the hospital if necessary. Police officers put together a crash report that validates what happened and identifies who was likely at fault.
Unfortunately, some people leave before first responders arrive, creating a hit-and-run scenario. How do people cover their costs when the driver at fault for the crash doesn’t stop to take responsibility?
By identifying the driver at fault
The more information that those involved in a crash can provide about the other vehicle and its operator, the easier it may be to hold a motorist accountable for causing a wreck.
If there is enough information about the crash, police officers may be able to identify the driver at fault and hold them accountable for leaving the scene. In addition to facing penalties for causing a hit-and-run, the motorist at fault may have to provide insurance coverage and could face civil liability for crash expenses.
By using their own insurance
New Jersey’s car insurance statutes require more than just liability coverage. Drivers generally also have personal injury protection (PIP) coverage.
This form of no-fault insurance can help pay for medical expenses and lost wages after a hit-and-run collision. Drivers with more robust policies may be able to use comprehensive or collision coverage or uninsured motorist protection to cover other expenses.
Consulting with an attorney can help people find the best solution for addressing their car crash expenses. There are several options available after a hit-and-run collision in New Jersey.