Underinsured Motorist Claim Lawyer New Jersey
If you are injured by a driver whose insurance is insufficient to cover your damages, an underinsured motorist claim in New Jersey under N.J.S.A. 17:28-1.1 allows you to seek compensation from your own policy. Law Offices Of SRIS, P.C. has 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ. Call (888) 437-7747 for a consultation by appointment.
An underinsured motorist (UIM) claim in New Jersey is governed by N.J.S.A. 17:28-1.1, which requires your insurance company to provide coverage when the at-fault driver’s liability limits are insufficient to cover your injuries. This statute mandates that your insurer offer UIM coverage, and you may recover damages including medical expenses, lost wages, and pain and suffering. The claim is filed with your own insurance company, but the process involves proving the at-fault driver’s negligence and the extent of your losses. Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., ‘Advocacy Without Borders,’ brings 120+ years combined legal experience to help you handle these complex claims.
Last verified: April 2026 | Superior Court of New Jersey | New Jersey Legislature — official site
For the full text of the underinsured motorist statute, see N.J.S.A. 17:28-1.1 (New Jersey Legislature — official site). For court procedures, visit New Jersey Courts — official site.
In the Superior Court of New Jersey, Law Division — Civil Part, insurance companies often delay UIM claim resolutions by disputing the severity of your injuries. We have observed that early documentation of medical treatment and experienced testimony can significantly strengthen your position.
- Gather all medical records and bills immediately after the accident.
- Notify your insurance company in writing of your intent to file a UIM claim.
- Consult with a UIM claim lawyer New Jersey to evaluate your policy limits.
- Document all communications with the insurance adjuster.
- File a lawsuit in the Superior Court of New Jersey if negotiations stall.
- Prepare for arbitration or trial with experienced witnesses.
In New Jersey, failing to carry sufficient insurance or filing a UIM claim involves specific legal standards under N.J.S.A. 17:28-1.1, with potential penalties for non-compliance.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Driving without insurance | Civil violation | None | $100–$1,000 | Suspension up to 1 year | SR-22 filing required |
| Filing a fraudulent UIM claim | 3rd-degree crime | Up to 5 years | Up to $15,000 | N/A | Restitution to insurer |
Results may vary.
Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., ‘Advocacy Without Borders,’ 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 team has extensive experience handling underinsured motorist claims in New Jersey, ensuring you receive the compensation you deserve.
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 are not listed, our firm-wide experience demonstrates our commitment to achieving positive outcomes for our clients. Results may vary.
Our location in Tinton Falls is approximately 30 miles from the Superior Court of New Jersey in Trenton, with access via I-195 and the Garden State Parkway. Serving the communities of all 21 New Jersey counties, including Bergen, Essex, Middlesex, Monmouth, and Morris. 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
How long do I have to file a personal injury claim in New Jersey?
New Jersey’s statute of limitations for personal injury under N.J.S.A. is typically 2-3 years from the date of injury, but shorter for claims against government entities (often 6 months notice requirement). Medical malpractice and wrongful death have distinct timelines. Missing the deadline bars the claim entirely — Superior Court of New Jersey, Law Division — Civil Part will dismiss on timeliness grounds. Evidence preservation and witness statements degrade over time. Contact Law Offices Of SRIS, P.C. promptly — (888) 437-7747.
What is an underinsured motorist claim in New Jersey?
An underinsured motorist (UIM) claim in New Jersey arises when the at-fault driver’s insurance coverage is insufficient to cover your damages. Under N.J.S.A. 17:28-1.1, you may seek additional compensation from your own insurance policy. A UIM claim lawyer New Jersey can help you handle this process.
How does a New Jersey lawyer handle an underinsured motorist claim?
A UIM claim lawyer New Jersey will evaluate your policy, gather evidence of damages, negotiate with your insurance company, and if necessary, file a lawsuit in the Superior Court of New Jersey. The process involves proving the at-fault driver’s liability and the extent of your injuries.
What should I do if I am in an accident with an underinsured driver in New Jersey?
If you are in an accident with an underinsured driver in New Jersey, contact an underinsured driver accident lawyer New Jersey immediately. Do not discuss the case with anyone except your lawyer. Preserve all relevant documents and evidence. The statute of limitations and court deadlines under New Jersey law require prompt action.
What are the penalties for not having enough insurance in New Jersey?
Penalties for driving without sufficient insurance in New Jersey include fines, license suspension, and potential civil liability. Under N.J.S.A. 39:6B-2, you may face fines up to $1,000 for the first offense. An underinsured motorist claim lawyer New Jersey can help you understand your options.
For more information, visit our Personal Injury Lawyer New Jersey hub page. You may also be interested in our Personal Injury Lawyer Hunterdon County or Personal Injury Lawyer Morris County pages.
Explore related practice areas: Personal Injury Lawyer Bergen County and Personal Injury Lawyer Monmouth County.
Last updated: 2026-04-29