Underinsured Motorist Claims Lawyer New Jersey — How Do You Recover Full Compensation?
If an underinsured driver causes your New Jersey accident, your own insurance may cover the gap. An Underinsured Motorist Claims lawyer New Jersey from Law Offices Of SRIS, P.C. can handle this complex claim process. We help you secure the full compensation you need for medical bills and lost wages from your policy.
Understanding New Jersey Underinsured Motorist (UIM) Coverage
New Jersey law requires all auto insurance policies to include Underinsured Motorist (UIM) coverage, unless you specifically reject it in writing. This coverage is designed to protect you when the at-fault driver has insurance, but their policy limits are insufficient to cover your total damages. A UIM claim lawyer New Jersey is essential because these claims are filed against your own insurance company, creating a potential conflict of interest.
Last verified: April 2026 | New Jersey Superior Court | New Jersey Legislature
Official Legal Resources
For the official statute governing automobile insurance requirements, see N.J.S.A. 39:6A-1 et seq. (New Jersey Legislature). For court procedures, visit the New Jersey Courts website.
The UIM Claim Process in New Jersey
Filing a UIM claim in New Jersey involves specific steps and deadlines. First, you must exhaust the at-fault driver’s policy limits. Then, you must formally notify your own insurer of your intent to pursue a UIM claim. Insurers often scrutinize these claims closely, as they are paying from their own funds.
- Exhaust the At-Fault Policy: Settle with the other driver’s insurer up to their policy limits, often with a signed release.
- Formal UIM Demand: Submit a detailed demand package to your own insurance company, including all medical records, bills, and proof of lost wages.
- Negotiation: Your attorney negotiates with your insurer’s claims adjuster to reach a fair settlement for the remaining damages.
- Arbitration or Litigation: If a settlement cannot be reached, the policy typically requires binding arbitration. A lawsuit may be necessary if arbitration fails.
Why You Need a Skilled Underinsured Driver Accident Lawyer New Jersey
In New Jersey, recovering under your UIM coverage requires proving your damages exceed the at-fault driver’s limits and handling a claim against your own insurer.
Handling a UIM claim alone is risky. Insurance companies have legal teams focused on minimizing payouts. An experienced underinsured driver accident lawyer New Jersey levels the playing field. We handle the evidence collection, negotiations, and legal filings, allowing you to focus on recovery while we fight for the maximum compensation your policy allows.
Case Results and Firm Authority
Law Offices Of SRIS, P.C. was founded in 1997. Our attorneys bring a combined 120+ years of legal experience to every case. We have secured favorable outcomes in thousands of matters, including complex insurance disputes. While we cannot aim for specific results, our focused approach aims to achieve the best possible resolution for your situation.
Results may vary. Prior results do not aim for a similar outcome.
Law Offices Of SRIS, P.C.
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Our firm serves clients throughout New Jersey. If you’ve been hit by an underinsured driver, contact an Underinsured Motorist Claims lawyer New Jersey at our firm for a consultation.
Frequently Asked Questions: UIM Claims in New Jersey
What is the difference between uninsured (UM) and underinsured (UIM) motorist coverage?
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.
Do I have to sue the other driver before filing a UIM claim?
No, you typically do not need to sue. The standard process is to first settle with the at-fault driver’s insurance company for their full policy limits. Once those limits are exhausted, you then file a UIM claim with your own insurer for the remaining damages.
Can my insurance company raise my rates if I file a UIM claim?
It depends on your policy and state law. In New Jersey, insurers are generally prohibited from raising your rates solely because you filed a UIM claim where you were not at fault. However, you should review your policy and consult with an attorney regarding your specific circumstances.
What if my UIM claim is denied by my insurance company?
If your UIM claim is wrongfully denied, you have legal options. Your policy likely includes an arbitration clause. An attorney can represent you in this binding arbitration process. If necessary, a lawsuit for breach of contract or bad faith may be filed against your insurer.
How long do I have to file a UIM claim in New Jersey?
You must act within the statute of limitations. For personal injury claims in New Jersey, this is generally two years from the date of the accident. However, your insurance policy may have shorter notification deadlines, so it is critical to consult with a lawyer promptly.
An underinsured motorist claims claim is one part of motor vehicle accidents work, and our page on new jersey car accident lawyer New Jersey covers the wider process.