Uninsured Motorist Claim Lawyer in Burlington County, NJ
An uninsured motorist claim in Burlington County is a legal action to recover damages when you are injured by a driver with no insurance. Law Offices Of SRIS, P.C. provides full representation for these complex claims. You need an experienced uninsured motorist claim lawyer Burlington County to handle the details of New Jersey’s specific insurance laws and court procedures.
Last verified: April 2026 | Superior Court of NJ, Burlington Vicinage | New Jersey Legislature
New Jersey law requires all drivers to carry uninsured motorist (UM) coverage as part of their auto insurance policy. This coverage is your primary recourse after an accident with an at-fault driver who has no liability insurance. The process involves filing a claim with your own insurance company, which can be adversarial. An uninsured motorist claim lawyer Burlington County can advocate for you to secure a fair settlement for medical bills, lost wages, and pain and suffering.
Statutory Definition of Uninsured Motorist Claims in New Jersey
Your right to file an uninsured motorist claim is established under N.J.S.A. 17:28-1.1. This statute mandates that every auto insurance policy issued in New Jersey include uninsured motorist coverage with limits matching your liability coverage, unless you specifically reject it in writing. The law defines an “uninsured motor vehicle” and outlines the procedures for arbitration and litigation of these claims. Understanding this statute is critical, as insurance companies often dispute the extent of your injuries or the value of your claim.
Insider Procedural Edge for Burlington County UM Claims
Uninsured motorist claims in Burlington County are filed in the NJ Superior Court Law Division. The process begins with a formal demand to your own insurer. If a settlement cannot be reached, the case typically proceeds to mandatory, non-binding arbitration. Knowing the local arbitration panel’s tendencies is key.
- Report the accident to your insurance company immediately and preserve all evidence.
- Seek immediate medical attention and follow all treatment plans to document your injuries.
- Consult with an uninsured driver accident lawyer Burlington County to send a formal demand letter to your insurer.
- If the claim is denied or undervalued, your lawyer will file a lawsuit in Superior Court, often skilled to court-ordered arbitration.
- Prepare for arbitration with medical experts and a clear presentation of damages.
- If arbitration fails, your case will proceed to a jury trial in the Burlington Vicinage.
Potential Recovery in a UM Claim
In Burlington 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.
| Type of Damage | Description | Considerations |
|---|---|---|
| Medical Expenses | Past and future costs for hospital stays, surgery, therapy, and medication. | Must be documented and deemed reasonable and necessary. |
| Lost Wages | Income lost due to inability to work during recovery. | Can include future lost earning capacity if injuries are permanent. |
| Pain and Suffering | Compensation for physical pain and emotional distress. | Amount is subjective and often the most contested part of a claim. |
| Property Damage | Repair or replacement cost for your vehicle. | Often handled separately under the collision portion of your policy. |
Results may vary. Prior results do not aim for a similar outcome.
Firm Authority and Experience
Founded in 1997 by former prosecutor Mr. Sris, Law Offices Of SRIS, P.C. brings over 120 years of combined legal experience to your case. Our firm-wide record includes 4,739+ documented case results with a favorable outcome rate exceeding 93%. We understand the tactics insurance companies use to minimize payouts on uninsured motorist claims and are prepared to fight for the full compensation you are owed under your policy.
Case Results and Client Advocacy
While specific results in Burlington County are not publicly listed, our firm’s extensive experience with insurance litigation provides a strong foundation for your uninsured motorist claim. We approach each case with a detailed strategy aimed at maximizing recovery, whether through skilled negotiation or aggressive litigation in the Burlington Vicinage courts.
Results may vary. Prior results do not aim for a similar outcome.
Local Representation for Burlington County Residents
Our New Jersey location serves clients at Burlington County courts. We represent individuals in Mount Holly, Mount Laurel, Moorestown, Burlington City, Cinnaminson, Evesham, Medford, Bordentown, Pemberton, Willingboro, and Marlton. As your uninsured motorist claim lawyer Burlington County, we provide focused local insight.
Availability: 24/7 phone consultations — Toll-Free: (888) 437-7747 | Local: (609)-983-0003 — meetings by appointment only.
Law Offices Of SRIS, P.C.
44 Apple St, 1st Floor
Tinton Falls, NJ 07724
By appointment only.
Frequently Asked Questions: Uninsured Motorist Claims
What is the difference between uninsured (UM) and underinsured (UIM) motorist coverage in NJ?
Yes, there is a key difference. Uninsured Motorist (UM) coverage applies when the at-fault driver has no insurance. Underinsured Motorist (UIM) coverage applies when the at-fault driver has insurance, but their policy limits are too low to cover your total damages. New Jersey requires both types of coverage in your policy.
Do I have to pay a deductible on my uninsured motorist claim?
No. Unlike a collision claim, there is typically no deductible applied to the recovery from your uninsured motorist coverage in New Jersey. You receive the full settlement amount for your bodily injury damages, up to your policy limits.
Can my own insurance company deny my uninsured motorist claim?
Yes. Insurance companies can deny UM claims if they dispute liability (who was at fault), argue your injuries are not related to the accident, or claim the treatment costs are unreasonable. This is why having a UM claim lawyer Burlington County is critical to challenge a wrongful denial.
How long do I have to file an uninsured motorist claim in New Jersey?
You must file a lawsuit within the statute of limitations, which is generally two years from the date of the accident for personal injury claims in New Jersey. However, you should report the claim to your insurer and consult with an uninsured driver accident lawyer Burlington County immediately to preserve evidence and meet all notice requirements.
What if the hit-and-run driver is never found?
Your uninsured motorist coverage should still apply in a hit-and-run accident in New Jersey, as the fleeing driver is treated as an uninsured motorist. You must report the accident to the police promptly and provide your insurer with a copy of the police report to support your claim.
Last verified: April 2026. Laws change — contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.
Under Va. Code § 13.1-1000 et seq., state law governs this practice area.