In many hit-and-run cases, the "John Doe" driver is never found. They were driving a stolen car, their vehicle was unregistered, or there were...
In many hit-and-run cases, the "John Doe" driver is never found. They were driving a stolen car, their vehicle was unregistered, or there were simply no cameras at the intersection. If the driver cannot be identified, the legal strategy pivots entirely to your own auto insurance policy.
Under New Jersey law, every standard auto insurance policy is required to include Uninsured Motorist (UM) coverage. This coverage specifically exists to protect you in two scenarios: when you are hit by a driver who has no insurance, and when you are hit by a "phantom" hit-and-run driver who cannot be identified.
When we file a UM claim, your own insurance company steps into the shoes of the hit-and-run driver. They are legally obligated to compensate you for your pain and suffering, lost wages, and permanent injuries, up to the limits of the UM coverage you purchased.
However, do not expect your insurance company to write you a check willingly. The moment you file a UM claim, the company you pay premiums to every month becomes your direct legal adversary. They will treat you with the same hostility as they would a stranger, attempting to minimize your injuries or argue that you were partially at fault for the crash. Pinnacle Injury Law forces your insurance carrier to honor the contract. We aggressively litigate UM claims in arbitration, preventing your insurer from prioritizing their profits over your recovery.