Most people assume a hit and run ends the same way: the driver vanishes, the victim pays for everything, and nobody is held accountable. That assumption is wrong, and insurance companies count on injured people believing it.
A Hackensack hit and run accident lawyer at Maggiano DiGirolamo & Lizzi pursues two parallel tracks from the first day of your case. We work to identify the driver who fled while simultaneously building the strongest possible uninsured motorist claim through your own policy coverage. You have more options than you think. Call 201-585-9111 for a free case review.
Why Hit and Run Cases Are Harder Than They Look
When a driver leaves the scene, the immediate problem is obvious: there is no one to file a claim against. But the deeper problem is what happens next. Insurance companies treat hit-and-run claims differently from standard auto claims, and not in your favor.
Your own insurer handles the uninsured motorist claim. That means the company you pay premiums to will deploy an adjuster whose job is to minimize what they pay out. They scrutinize whether the crash really happened the way you described it, whether your injuries are as serious as you claim, and whether you have the documentation to support a payout.
That relationship feels cooperative, but your insurer’s financial interests are not aligned with yours.
Specifically, New Jersey’s Insurance Fair Conduct Act allows injured motorists to sue their own insurer for unreasonably denying or delaying UM and UIM claim payments. That legal pressure matters. But exercising it requires an attorney who knows the statute and how to use it. Most injured people do not learn that the law exists until long after the deadline to act has passed.
Do not let your own insurer set the terms of this claim. Call 201-585-9111 now.
Excellent law firm. Thorough, attentive, discreet, flexible, loyal, and compassionate. They are excellent at representing their clients, listening to them, and fighting for their rights. I had the pleasure of working with Michael Maggiano, Esq., Joseph Maggiano, Lawyer Tom Boyle, Bernadette, and Stephanie. Thank you all for your dedication and hard work. I highly recommend choosing this firm to represent you.
In my Book Chris gets 10+ stars. An Incredibly Talented Attorney. I cannot begin to express my sincere appreciation for all that Chris DiGirolamo has done for me. He took on a most challenging Title59 Immunity Case, against all odds. He always leveled with me as to the complex nature of the case, but with a positive and professional attitude. He was aided in this case, by a fantastic Paralegal, Marisol Suarez. Marisol made a difficult time much easier with her courtesy, humor, and always being responsive. Chris made you feel at all times that he was fighting for you as he would fight for a member of his family. It would not be a trite statement to say that watching him prepare my case was like watching a Maestro conduct a Philharmonic Orchestra. He always kept you informed as to the latest developments in a case that took 3 1/2 years to settle. Chris was able to achieve a settlement that both of us were happy with especially considering the very complex set of circumstances. Simply put, Chris is an Incredible Attorney who is empathetic yet tough and most important ” A Good Guy.”
The Maggiano, DiGirolamo, & Lizzi law office has been nothing short of amazing! All the members of their team have been outstanding from the beginning to the end. There were many struggles along the way with our situation, but they were right there when I needed them. As a person who has never needed a service of any lawyer, I had a ton of questions before and during the entire process, and I must say that Michael, Linda, Chris, and everyone else there, have all been straight shooters when it comes to the business. I would call/email them several times per day sometimes throughout the entire case and someone was always there to reply promptly and accurately each time. They do not mind going above and beyond for their clients which is honestly a rare thing to find in any professional line of work.
If you’re looking for a law firm with an amazing track record and who come highly recommended (even by other lawyers which I’ve spoken with in court during the case), look no further! You will not be disappointed with Maggiano, DiGirolamo & Lizzi law firm. If there ever comes a need for me to need assistance in a legal matter caused by a injury, I honestly would not even think twice before calling them again!
A+ on all aspects!
Why Evidence Disappears So Fast After a Hackensack Hit and Run
Physical evidence disappears even faster: paint transfer, broken plastic, tire impressions, and fluid drops. Weather and routine road maintenance clear a crash scene within days. In residential areas, there may be no camera coverage at all, and the physical record is the only record.
This is why we begin the investigation the same day we are retained. Preservation letters go out to businesses and public agencies immediately. Witness canvassing happens within hours. Evidence that exists today may not exist tomorrow, and missing it permanently narrows what your claim can recover.
How a Hackensack Hit and Run Accident Lawyer Finds the Driver
Identifying a fleeing driver is not impossible. It requires speed, resources, and knowledge of what evidence exists and where to find it. Our attorneys start this investigation immediately, because the window to act is narrow.
Traffic and commercial camera review. Bergen County operates traffic signal cameras throughout Hackensack’s downtown grid. Private businesses, ATMs, parking structures, and residences add to that coverage. We identify every camera with a sightline to the crash area, send preservation letters the same day, and obtain footage before automatic deletion cycles run.
Witness canvassing. Officers at the scene rarely have time to collect contact information from every bystander. We return to the location within hours of being retained, knock on doors, visit nearby businesses, and identify anyone who saw the vehicle, its direction of travel, or even a partial plate.
Physical evidence analysis. Every crash leaves debris: paint transfer, broken plastic, tire impressions, and fluid drops. This evidence often disappears within days due to weather and road maintenance. We document and preserve it, and can work with accident reconstruction professionals to identify vehicle make, model, and color from transfer evidence.
Law enforcement coordination. We communicate directly with the Hackensack Police Department and Bergen County investigators to track any developing leads. We provide them with our evidence, and they provide us with updates that inform the civil case in parallel.
When the driver is never found, none of this effort is wasted. Every document, photo, and witness statement we collect strengthens your uninsured motorist claim, because your own insurer will demand proof that the crash occurred exactly as you describe it.
How New Jersey Law Handles Hit and Run Claims
New Jersey law classifies a hit and run vehicle as an uninsured motor vehicle under N.J.S.A. 39:6-78. That classification is the key that unlocks your own insurance policy’s uninsured motorist coverage, even though the at-fault driver never surfaces.
Standard New Jersey auto policies include UM coverage by law. If you carry a standard policy, that coverage activates for hit and run collisions. The amount available depends on the limits you selected when you purchased your policy.
For victims without UM coverage available through their own or a household policy, New Jersey law requires a Notice of Intention to Make a Claim with the Unsatisfied Claim and Judgment Fund within 180 days of the crash under N.J.S.A. 39:6-65. Missing that deadline eliminates the UCJF as a recovery option entirely.
This deadline runs whether or not you have retained an attorney, and whether or not you are still receiving medical treatment.
A secondary issue involves your policy’s cooperation clause, the contract requirement that you report the crash promptly, cooperate with the investigation, and avoid any action that could interfere with your insurer’s ability to recover money from another party if one is later identified.
Violating these provisions, even unknowingly, gives the insurer grounds to reduce or deny the claim entirely. Our attorneys walk you through every requirement from the first call so your own conduct does not become a problem in your case.
When the Driver Is Found After Your Claim Has Started
Hit and run drivers are identified after the fact more often than most people expect. A witness comes forward, a traffic camera surfaces, or a repair shop reports damage consistent with the crash. When that happens, your claim strategy shifts but the work already done is not wasted.
If the identified driver carries liability insurance, we transition directly to pursuing their policy. If they surface without coverage, the UM claim proceeds as originally built. In either scenario, the evidence preserved early, the medical record established from day one, and the witness statements collected in the first hours all carry forward and strengthen the new claim path.
What Damages Can You Pursue After a Hit and Run?
Recovery in a hit and run claim follows the same categories as any personal injury case, but the source of the money shifts. Instead of drawing from the at-fault driver’s liability policy, you draw from your own UM coverage and, if applicable, additional sources our investigation identifies.
Medical expenses. All costs directly tied to your injury are recoverable: emergency care, hospitalization, imaging, surgery, rehabilitation, and future treatment a physician projects as necessary. We document every cost and work with your medical providers to ensure nothing gets omitted from the claim file.
Lost wages. If the injury kept you out of work, those lost earnings are recoverable. Where the injury creates long-term or permanent work limitations, we engage vocational and economic professionals to project and document that future loss.
Pain and suffering. New Jersey permits recovery for physical pain, emotional distress, loss of enjoyment, and the way the accident altered your relationships and daily life. UM claims allow for these non-economic damages the same way a standard liability claim does.
Property damage. Vehicle repair costs are handled separately but in parallel. Note that standard UM coverage in New Jersey applies to bodily injury. Property damage recovery for hit-and-run collisions follows a different path through your collision coverage.
One detail that matters significantly: if additional responsible parties exist, such as a property owner whose negligent lighting or inadequate road maintenance contributed to the crash, we investigate that liability independently of the UM claim.
What to Do in the Immediate Aftermath
The actions you take in the first hours after a hit and run shape everything that follows. Specifically, these steps protect your health and your claim simultaneously.
Stay at the scene and call 911. A police report is not optional in a hit-and-run claim. Your insurer will require it, and without it, the claim faces serious credibility challenges from the start.
Document everything before it changes. Photograph the damage to your vehicle, any debris on the road, skid marks, and the surrounding area, including nearby businesses and cameras. If you can get a partial plate, a vehicle description, or any identifying detail, write it down immediately before the shock of the crash erodes your memory.
Seek medical attention the same day, even if the pain feels minor. Adrenaline masks injury. Concussions, spinal injuries, and soft tissue damage frequently produce delayed symptoms that worsen over the 48 to 72 hours following a crash. A same-day medical record directly connecting your injuries to the crash is one of the most important documents in your entire claim file.
Do not give a recorded statement to your own insurer before speaking with a Hackensack hit and run accident attorney. UM claims run through your own policy, not the other driver’s, but that does not mean your insurer is on your side. They are protecting their financial exposure.
Verdicts and Settlements
$950,000 - Machine Guarding
Against a wood chipper manufacturer for a defective safety mechanism resulting in loss of a foot to landscape employee in 1994 who used his foot to kick in branches into the mouth of the chipping blades.
$3,600,000 - Golf Caddy at Charity Event
75-year-old man working as a caddy at a local golf course during a fund-raising charity event fell off the back when the golfer driving the cart made a sudden turn and he suffered serious brain injury resulting in surgery with post-surgical complications. Plaintiff argued he was told by the golfers to get on the back because due to his advanced age he was slowing down the pace…
$1,725,000 - Grease on Supermarket Floor
A 47-year-old woman slipped on a quarter-size droplet of chicken grease in the aisle of a supermarket. Our client suffered injury to her knee and ankle. Ultimately, over the course of 4 years, she required surgery to her ankle, lower back, and neck. The grocery store contested both liability for and causation of our client’s injuries. Our attorneys argued that the store should have known it was…
Hackensack Hit and Run Accident Questions Answered by Our New Jersey Attorneys
What if no witnesses saw the driver flee?
Witness testimony is one source of evidence, but not the only one. Camera footage, physical crash evidence, and accident reconstruction can establish that another vehicle caused the collision even without a direct human witness. We have handled cases where no one observed the crash directly, but the physical and digital evidence was conclusive enough to support full recovery.
Does my health insurance pay if my auto UM claim is denied?
Health insurance may cover some medical costs, but the two coverages address different things. Health insurance does not compensate for lost income, pain and suffering, or long-term disability. Pursuing the UM claim separately remains important regardless of what health insurance pays toward immediate treatment costs.
Can I still file a UM claim if I do not own a car?
Yes. New Jersey allows injured pedestrians and cyclists struck by hit-and-run vehicles to pursue UM claims through a resident relative’s policy, the policy of the vehicle they occupied if applicable, or through the New Jersey Unsatisfied Claim and Judgment Fund. The path depends on your specific circumstances, which we evaluate during the free consultation.
What if the hit and run driver is identified after I have already started a UM claim?
The claim strategy shifts, but the work done building your UM claim is not wasted. If the driver surfaces with insurance, we transition to pursuing their liability policy directly. If they surface without insurance, the UM claim proceeds as originally built. Our attorneys handle that transition without disruption to your case.
How long does a hit and run UM claim take to resolve?
Straightforward cases with clear injuries and strong documentation can resolve in several months. Cases involving serious injuries, disputed liability, or insurer resistance to paying fair value typically take longer. The 180-day UCJF filing deadline and the two-year personal injury statute of limitations both apply, so early legal engagement protects every available option. Confirm this deadline with an attorney immediately as it applies to your specific situation.
Your Recovery Starts With One Phone Call
Maggiano DiGirolamo & Lizzi handles hit and run cases throughout Bergen County from our Hackensack office at 21 Main Street, Suite 203, one block from Bergen County Superior Court. Our attorneys know this jurisdiction, know the local insurance landscape, and know how to build the evidence trail that turns a case with no identified defendant into a compensable claim.
The consultation costs nothing. Our contingency structure means no fees unless we recover for you. What changes when you call is that the clock on preserving your evidence and meeting your filing deadlines starts working for you instead of against you. The 180-day UCJF deadline in particular waits for no one, and missing it permanently closes one avenue of recovery.
Call a Hackensack hit and run accident attorney at Maggiano DiGirolamo & Lizzi today. We answer at 201-585-9111.
