Union County Uninsured Motorist Claim Lawyer — How Do You Recover After a Hit-and-Run?
If you are injured by an uninsured or hit-and-run driver in Union County, your own insurance policy is often the only path to compensation. Filing an uninsured motorist (UM) claim is demanding process governed by New Jersey law. An experienced uninsured motorist claim lawyer Union County from Law Offices Of SRIS, P.C.
Understanding Uninsured Motorist Coverage in New Jersey
New Jersey law requires all auto insurance policies to include Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage, unless you specifically reject it in writing. This coverage is designed to protect you if you are injured by a driver who has no insurance or insufficient insurance to cover your damages. The statute governing this area is N.J.S.A. 17:28-1.1. It establishes the framework for these claims, which are essentially a lawsuit against your own insurance company.
Last verified: April 2026 | Union County Superior Court | New Jersey Legislature
Founded in 1997, our firm understands that insurance companies often treat their own policyholders as adversaries in UM claims. Our approach is built on detailed knowledge of policy language and New Jersey case law to advocate for the full compensation you are entitled to under your contract.
Official Resources for New Jersey Motorists
- N.J.S.A. 17:28-1.1 (New Jersey Uninsured Motorist Statute)
- New Jersey Courts Public Information
The Process for a Union County UM Claim
After an accident with an uninsured driver, the immediate steps you take are critical. You must report the accident to your own insurance company promptly, but what you say can impact your claim. In Union County, insurers will thoroughly investigate to confirm the other driver was truly uninsured and that your injuries are directly related. A key procedural fact is that New Jersey has a “deemer” statute, which can affect out-of-state drivers, and policies often have specific notification requirements that, if missed, can jeopardize your claim.
- Report and Document: Immediately report the hit-and-run or uninsured driver accident to the police and your insurer. Obtain a copy of the police report.
- Medical Attention: Seek a full medical evaluation. Keep detailed records of all treatments, diagnoses, and expenses.
- Formal Notice: Your uninsured driver accident lawyer Union County will provide formal notice to your insurance company, preserving all legal rights and deadlines.
- Investigation & Demand: We will gather evidence, including witness statements and experienced medical opinions, to build a strong demand for compensation.
- Negotiation or Arbitration: Most UM policies require disputes to go to binding arbitration. We prepare your case as if for trial to secure a fair settlement or award.
Potential Compensation in a UM Claim
In Union County, a successful uninsured motorist claim can recover compensation for medical expenses, lost income, pain and suffering, and other losses, up to the limits of your own UM policy.
| Coverage Type | Purpose | Typical Limit (NJ) |
|---|---|---|
| Uninsured Motorist Bodily Injury (UMBI) | Covers medical bills, lost wages, pain & suffering from an uninsured driver. | $15,000/$30,000 minimum |
| Underinsured Motorist Bodily Injury (UIMBI) | Covers excess damages when the at-fault driver’s limits are too low. | Matches your UMBI limits unless reduced |
| Uninsured Motorist Property Damage (UMPD) | May cover damage to your vehicle from a identified uninsured driver. | Often has a deductible |
Results may vary. Prior results do not guarantee a similar outcome.
Why Choose Our Firm for Your Union County UM Claim
Law Offices Of SRIS, P.C. was founded in 1997. With over 120 years of combined attorney experience, we have a documented track record of handling insurance disputes. Our founder, Mr. Sris, is a former prosecutor who brings a strategic, detail-oriented approach to ensuring insurance companies honor their contractual obligations to policyholders like you.
Handling Uninsured Motorist Claims in Union County
Our firm has extensive experience advocating for clients against their own insurance companies. We understand the tactics used to minimize or deny valid UM claims. For instance, we have successfully resolved cases where insurers initially denied claims based on alleged “pre-existing conditions” or gaps in treatment, securing settlements that covered our clients’ full medical costs and lost income. Results may vary. Prior results do not guarantee a similar outcome.
Contact Our Union County Uninsured Motorist Lawyers
If you’ve been hit by an uninsured driver in Elizabeth, Linden, Rahway, or anywhere in Union County, do not assume your insurance company will make the process easy. Our local team understands New Jersey’s insurance field and is ready to help.
Law Offices Of SRIS, P.C.
Toll-Free: (888) 437-7747 | Local: (609)-983-0003
24/7 phone consultations — meetings by appointment only.
We serve clients throughout Union County, including near the Union County Courthouse in Elizabeth, and in communities like Scotch Plains, Westfield, Clark, and Springfield.
FAQs: Uninsured Motorist Claims in New Jersey
What should I do immediately after a hit-and-run accident?
Yes. Call the police immediately to file a report, seek medical attention even if you feel fine, and notify your own insurance company about the hit-and-run. These steps are critical for a future uninsured motorist claim. An uninsured motorist claim lawyer Union County can guide you through this process.
Does my insurance go up if I file an uninsured motorist claim?
It depends. New Jersey law prohibits insurers from raising rates solely because you filed a UM claim where you were not at fault. However, other factors can affect your premium. Consulting with a UM claim lawyer Union County can help you understand the potential implications.
How long do I have to file a UM claim in New Jersey?
You generally have two years from the date of the accident to file a lawsuit, which is the ultimate deadline. However, your insurance policy likely requires immediate notification. Delaying can give the insurer grounds to deny your claim. Contact an uninsured driver accident lawyer Union County promptly.
What if the uninsured driver is identified later?
If the hit-and-run driver is found and has assets, you may be able to pursue a personal injury lawsuit against them directly. Your UM claim would still proceed against your insurer first. Your lawyer can advise on the best strategy for maximum recovery.
What is the difference between UM and UIM coverage?
Uninsured Motorist (UM) covers accidents with drivers who have no insurance. Underinsured Motorist (UIM) applies when the at-fault driver has insurance, but their policy limits are too low to cover your total damages. Both are vital protections under New Jersey law.
Related Practice Areas: If you were injured in a commercial vehicle accident, you may need a Union County truck accident lawyer. For other traffic-related issues, see our page on Union County reckless driving defense.
Other Locations: We also assist clients in neighboring areas like Essex County and Middlesex County.
State Overview: For more on New Jersey insurance laws, visit our New Jersey uninsured motorist lawyer hub page.
Last verified: April 2026. Laws and procedures change. For current guidance on your uninsured motorist claim in Union County, contact Law Offices Of SRIS, P.C. at (609)-983-0003.
New Jersey law governs this practice area.
Union County claims are handled by our New Jersey uninsured motorist claim practice, where the whole process is set out.
Your case in Union County, New Jersey
Immigration matters are federal: removal cases for New Jersey residents are heard at the Newark Immigration Court and applications are decided by USCIS. County criminal charges that can affect immigration status are heard in the Criminal Part of the Law Division. In Union County that is the Superior Court of NJ, Union Vicinage (12th Vicinage), 2 Broad Street, Elizabeth, NJ 07207, telephone (908) 787-1650, open Mon-Fri 8:30AM-4:30PM. Court procedures change; confirm the current schedule on the official vicinage website or with the clerk before you file or appear.
The governing law for this topic is the federal Immigration and Nationality Act. Law Offices Of SRIS, P.C. handles Union County matters from its New Jersey location at 44 Apple St 1st Floor, Tinton Falls, NJ 07724; meetings are by appointment. Request a New Jersey consultation at (888) 437-7747 or (609) 983-0003.
Related New Jersey pages: Union County NJ lawyers directory · Uninsured Motorist Claim Attorney Bergen County, NJ · Uninsured Motorist Claim Attorney Hudson County, NJ · Uninsured Motorist Claim Lawyer Monmouth County, NJ.