If your insurance company in New Jersey has unreasonably denied or delayed your claim, you may have a bad faith insurance claim. Law Offices Of SRIS, P.C. has 4,739+ firm-wide documented results across VA, MD, DC, NY and NJ. Under New Jersey law, insurers owe a duty of good faith and fair dealing.
Bad Faith Insurance Lawyer in New Jersey
Bad faith insurance in New Jersey arises when an insurance company violates the implied covenant of good faith and fair dealing by unreasonably denying, delaying, or underpaying a valid claim. This duty is rooted in New Jersey common law and is governed by statutes such as the New Jersey Insurance Fair Conduct Act (N.J.S.A. 17:29B-4 et seq.) and the Unfair Claims Settlement Practices Act (N.J.S.A. 17:29B-4). A Bad Faith Insurance Lawyer New Jersey can assess whether the insurer’s conduct meets the legal standard for bad faith.
Last verified: April 2026 | Superior Court of New Jersey | New Jersey Legislature — official site
Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., “Advocacy Without Borders,” brings 120+ years combined legal experience to every bad faith insurance case in New Jersey.
For the official text of New Jersey’s bad faith insurance statutes, see N.J.S.A. 17:29B-4 (New Jersey Legislature — official site). For court rules governing bad faith claims, see New Jersey Courts — official site.
In the Superior Court of New Jersey, insurers often rely on technical policy language to justify denials. We have observed that many bad faith claims are initially dismissed on procedural grounds, such as failure to exhaust administrative remedies or missed deadlines.
- Step 1: Preserve all evidence of the insurer’s conduct, including denial letters, emails, and phone records.
- Step 2: File a formal complaint with the New Jersey Department of Banking and Insurance to create a regulatory record.
- Step 3: Consult a Bad Faith Insurance Lawyer New Jersey to evaluate the strength of your claim.
- Step 4: File a lawsuit in the Superior Court of New Jersey, Law Division — Civil Part, within the applicable statute of limitations.
- Step 5: Engage in discovery to obtain the insurer’s internal claims handling documents.
- Step 6: Prepare for trial or settlement negotiations, leveraging evidence of bad faith.
In New Jersey, bad faith insurance claims can result in significant financial consequences for insurers, including compensatory damages, consequential damages, and punitive damages in egregious cases.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Bad Faith Denial of Claim | Civil Violation | N/A | Up to policy limits + extra-contractual damages | N/A | Attorney fees, emotional distress damages, punitive damages |
| Unreasonable Delay in Payment | Civil Violation | N/A | Interest on delayed payments + penalties | N/A | Regulatory action by NJ Department of Banking and Insurance |
| Unfair Claims Settlement Practice | Regulatory Violation | N/A | Up to $10,000 per violation | N/A | License suspension or revocation |
Results may vary. Case results depend on a variety of factors unique to each case.
Law Offices Of SRIS, P.C. has 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ. While specific New Jersey bad faith insurance case results are not listed individually, the firm’s overall favorable-outcome rate exceeds 93%. Results may vary. Case results depend on a variety of factors unique to each case.
Our location at 44 Apple St, 1st Floor, Tinton Falls, NJ 07724 is approximately 30 miles from the Superior Court of New Jersey in Trenton, with access via I-195 and the New Jersey Turnpike. We serve as a bad faith insurance lawyer near New Jersey for clients across all 21 counties. Serving the communities of Hackensack, Newark, Jersey City, New Brunswick, Freehold, Morristown, Paterson, Elizabeth, Trenton, Toms River, Tinton Falls, Red Bank, Princeton, Camden, and Atlantic City. 24/7 phone consultations — (888) 437-7747 — meetings by appointment only.
Law Offices Of SRIS, P.C. — New Jersey
44 Apple St, 1st Floor, Tinton Falls, NJ 07724
Phone: (609) 983-0003 | Toll-Free: (888) 437-7747
By appointment only.
Frequently Asked Questions About Bad Faith Insurance in New Jersey
What is bad faith insurance in New Jersey?
Yes. Bad faith insurance in New Jersey occurs when an insurance company unreasonably denies, delays, or underpays a valid claim, violating the implied covenant of good faith and fair dealing.
This duty is rooted in New Jersey common law and statutes like the New Jersey Insurance Fair Conduct Act (N.J.S.A. 17:29B-4 et seq.). Policyholders may sue for breach of contract and extra-contractual damages in the Superior Court of New Jersey.
How long do I have to file a bad faith insurance lawsuit in New Jersey?
It depends. The statute of limitations for bad faith insurance claims in New Jersey is typically 6 years for breach of contract under N.J.S.A. 2A:14-1, and 2 years for tort-based claims.
Missing the deadline bars the claim entirely. The Superior Court of New Jersey will dismiss on timeliness grounds. Contact a Bad Faith Insurance Lawyer New Jersey promptly to preserve your rights.
What damages can I recover in a bad faith insurance claim in New Jersey?
You may recover full policy benefits, consequential damages, emotional distress damages, attorney fees, and punitive damages in egregious cases.
An insurance company bad faith lawyer New Jersey can evaluate your claim for all available remedies under New Jersey law.
Do I need a lawyer for a denied insurance claim in New Jersey?
Yes. Insurance companies have legal teams dedicated to minimizing payouts. A denied claim lawsuit lawyer New Jersey can challenge the denial and gather evidence of bad faith.
Law Offices Of SRIS, P.C. has extensive experience handling bad faith cases in New Jersey. Call (888) 437-7747 for a consultation.
What should I do if my insurance claim is denied in New Jersey?
Contact a Bad Faith Insurance Lawyer New Jersey immediately. Do not accept the denial without legal review. Preserve all documents and communications with the insurer.
The statute of limitations under New Jersey law requires prompt action. Call Law Offices Of SRIS, P.C. at (888) 437-7747.
Learn more about our services: Motor Vehicle Accident Lawyer New Jersey (state hub). Explore related pages: Personal Injury Lawyer Hunterdon County, Personal Injury Lawyer Morris County, Personal Injury Lawyer Bergen County.
Last verified: April 2026. This page was last updated on 2026-04-29. For the most current information, consult a Bad Faith Insurance Lawyer New Jersey.