Underinsured Motorist Claim Lawyer New Jersey
If you are injured by a driver with insufficient insurance in New Jersey, an underinsured motorist claim allows you to seek compensation from your own policy. Law Offices Of SRIS, P.C. has 4,739+ firm-wide results across VA, MD, DC, NY and NJ. Under N.J.S.A. 17:28-1.1, UIM coverage is mandatory in New Jersey. Call (888) 437-7747 for a consultation by appointment.
Understanding Underinsured Motorist Claims in New Jersey
Under New Jersey law, underinsured motorist (UIM) coverage is governed by N.J.S.A. 17:28-1.1. This statute requires that all auto insurance policies in New Jersey include UIM coverage unless explicitly waived in writing. When the at-fault driver’s liability limits are insufficient to cover your damages, you may file a claim against your own UIM policy to recover the difference. 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 case.
Last verified: April 2026 | Superior Court of New Jersey | New Jersey Legislature
Official New Jersey Legal Resources
Insider Knowledge on UIM Claims in New Jersey
In the Superior Court of New Jersey, insurance carriers often delay UIM claim resolution by requesting unnecessary medical examinations. We have observed that carriers routinely undervalue pain and suffering in UIM cases. An experienced UIM claim lawyer New Jersey can counter these tactics effectively.
- Contact an underinsured motorist claim lawyer New Jersey immediately after the accident.
- Preserve all evidence including photos, medical records, and witness information.
- Review your insurance policy for UIM coverage limits and exclusions.
- File a claim with your own insurance carrier promptly.
- Do not accept any settlement without legal review.
- Consider litigation if the carrier refuses fair compensation.
In New Jersey, underinsured motorist claims involve insurance coverage disputes rather than criminal penalties, but the financial impact of an inadequate settlement can be severe.
| Issue | Classification | Financial Impact | Legal Consequence | Coverage Limit | Additional Considerations |
|---|---|---|---|---|---|
| Insufficient at-fault driver coverage | Civil insurance matter | Unrecovered medical bills, lost wages | Claim against your UIM policy | Varies by policy (typically $15,000-$100,000) | Verbal threshold may apply |
| Carrier denial of UIM claim | Bad faith insurance practice | Delayed or reduced compensation | Potential bad faith lawsuit | N/A | Legal fees may be recoverable |
Results may vary.
Why Choose Law Offices Of SRIS, P.C. for Your UIM Claim?
Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C. brings 120+ years combined legal experience, 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ, and a favorable-outcome rate above 93%. Our firm, ‘Advocacy Without Borders,’ is committed to fighting for fair compensation in underinsured motorist claims. We handle cases throughout New Jersey, including all 21 counties.
Your Legal Team
Our Track Record in New Jersey
Law Offices Of SRIS, P.C. has 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ, with a favorable-outcome rate above 93%. While specific New Jersey UIM claim results vary, our firm-wide experience demonstrates our commitment to achieving favorable outcomes for our clients. Results may vary.
Our New Jersey Location
Our location in Tinton Falls is accessible from the Superior Court of New Jersey via I-195 and the Garden State Parkway. We serve the communities of all 21 New Jersey counties, including Bergen, Essex, Middlesex, Monmouth, and Morris counties. 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
Frequently Asked Questions About Underinsured Motorist Claims in New Jersey
What is an underinsured motorist claim in New Jersey?
An underinsured motorist (UIM) claim in New Jersey allows you to seek compensation from your own insurance policy when the at-fault driver’s liability coverage is insufficient to cover your damages. This is governed by N.J.S.A. 17:28-1.1 and requires experienced legal guidance.
How long do I have to file an underinsured motorist claim in New Jersey?
The statute of limitations for underinsured motorist claims in New Jersey is typically 2-3 years from the date of the accident under N.J.S.A. 2A:14-2. However, shorter deadlines may apply for claims against government entities. Missing the deadline bars your claim entirely — the Superior Court of New Jersey will dismiss on timeliness grounds.
What damages can I recover in an underinsured motorist claim in New Jersey?
In a New Jersey underinsured motorist claim, you can recover compensatory damages including medical expenses, lost wages, pain and suffering, and property damage. New Jersey does not cap compensatory damages in most personal injury cases.
Do I need a lawyer for an underinsured motorist claim in New Jersey?
Yes. Underinsured motorist claims in New Jersey involve complex insurance policy interpretation and negotiation with your own carrier. An experienced UIM claim lawyer New Jersey can help maximize your recovery and protect your rights.
What should I do if the at-fault driver has insufficient insurance in New Jersey?
If the at-fault driver has insufficient insurance, contact an underinsured driver accident lawyer New Jersey immediately. Preserve all evidence, document your injuries, and do not accept any settlement without legal review. Your own UIM coverage may provide additional compensation.
How does New Jersey’s verbal threshold affect UIM claims?
New Jersey’s verbal threshold limits your right to sue for pain and suffering in auto accident cases unless you sustain a permanent injury. However, UIM claims are governed by your policy’s coverage terms, and an experienced underinsured motorist claim lawyer New Jersey can help handle these details.
Can I file a UIM claim if I was partially at fault in New Jersey?
Yes. New Jersey follows a modified comparative negligence rule under N.J.S.A. 2A:15-5.1. You can recover damages if you are 50% or less at fault, but your recovery is reduced by your percentage of fault. An underinsured driver accident lawyer New Jersey can evaluate your case.
Related Legal Resources
Last verified: April 2026. This page was updated to reflect current New Jersey law.