Underinsured Motorist Claim Lawyer in Union County, NJ
An underinsured motorist (UIM) claim in Union County arises when an at-fault driver’s insurance is insufficient to cover your losses. New Jersey law, under N.J.S.A. 17:28-1.1, requires insurers to offer UIM coverage. Law Offices Of SRIS, P.C. provides full representation for these claims.
Last verified: April 2026 | Superior Court of NJ, Union Vicinage | New Jersey Legislature
Understanding Underinsured Motorist (UIM) Claims in New Jersey
An underinsured motorist (UIM) claim is a claim against your own auto insurance policy. It is triggered when the driver who caused your accident has liability insurance, but their policy limits are too low to cover the full extent of your medical bills, lost wages, and other damages. New Jersey operates under a “verbal threshold” system, which can limit your right to sue for non-economic damages like pain and suffering unless your injuries meet certain severity criteria. handling this system while also pursuing a UIM claim requires specific legal knowledge.
Your UIM claim lawyer Union County will handle the process of notifying your insurer, gathering evidence to prove the value of your claim exceeds the at-fault driver’s limits, and negotiating with your own insurance company to secure a fair settlement.
Key Laws and Procedures for UIM Claims
UIM claims in New Jersey are governed by statute, primarily the New Jersey Automobile Insurance Cost Reduction Act and related case law. The process is initiated in the Superior Court, Law Division, for the Union Vicinage. You can find specific court rules and filing information on the Union Vicinage official website. The statute of limitations for filing a UIM claim is typically two years from the date of the accident, but specific notice requirements to your insurer can be much shorter.
- Secure Your Claim: Immediately after the accident, seek medical attention and report the crash to your own insurance company, preserving your right to a UIM claim.
- Investigate the At-Fault Driver: Your attorney will confirm the other driver’s policy limits and gather all evidence of liability and your damages.
- Exhaust the Other Policy: Your UIM claim cannot proceed until you have obtained a settlement for the full limits of the at-fault driver’s liability policy.
- Formal UIM Demand: Your lawyer will submit a detailed demand to your insurer, outlining why your damages exceed the recovered amount and the value of your UIM claim.
- Negotiation or Arbitration: Most UIM policies require disputes to go to binding arbitration. Your attorney will prepare and present your case to the arbitrator.
- Litigation if Necessary: If a fair settlement or arbitration award is not reached, your attorney can file a lawsuit in Superior Court.
Why Choose Our Firm for Your UIM Claim
Founded in 1997 by former prosecutor Mr. Sris, Law Offices Of SRIS, P.C. brings over 120 years of combined legal experience to every case. Our firm-wide track record includes 4,739+ documented case results with a favorable outcome rate exceeding 93%. We understand that an underinsured driver accident lawyer Union County must be both a skilled negotiator and a prepared litigator, as insurance companies respond to demonstrated readiness for trial.
Our approach is direct: we investigate thoroughly, document your damages completely, and build a compelling case for maximum recovery under your UIM policy. We handle all communication with the insurance companies, allowing you to focus on your recovery.
Results may vary. Prior results do not guarantee a similar outcome.
Law Offices Of SRIS, P.C. — New Jersey
44 Apple St, 1st Floor
Tinton Falls, NJ 07724
Toll-Free: (888) 437-7747 | Local: (609)-983-0003
By appointment only. 24/7 phone consultations.
Our New Jersey location serves clients throughout Union County, including Elizabeth, Union Township, Plainfield, Westfield, Scotch Plains, Cranford, Summit, Linden, Rahway, Clark, Roselle, and Springfield. We are accessible via the NJ Turnpike, Garden State Parkway, Route 22, and I-78.
Frequently Asked Questions: UIM Claims in Union County
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. An underinsured driver accident lawyer Union County can help you handle a UIM claim.
Do I have underinsured motorist coverage in New Jersey?
It depends on the choices you made when purchasing your policy. New Jersey law requires insurers to offer both UM and UIM coverage, but you can opt to reject it in writing. A UIM claim lawyer Union County can review your policy declarations page to confirm your coverage limits and whether you have this vital protection.
How long does an underinsured motorist claim take?
The timeline varies. A clear claim with clear liability and damages may settle in several months. Demanding cases involving disputed injuries or high damages that go through arbitration or litigation can take 12-24 months or more. Your attorney will work to resolve your claim efficiently while fighting for full value.
Can I sue the underinsured driver directly for my remaining damages?
Yes, you can, but it is often not practical. If the driver is underinsured, it typically means they have limited personal assets to collect against. A judgment may be uncollectible. The more effective path is usually pursuing a UIM claim with your own insurer, which is why having an Underinsured Motorist Claim Lawyer Union County is important.
What if my insurance company denies my UIM claim?
If your UIM claim is wrongfully denied, your attorney can initiate the dispute resolution process outlined in your policy, which is usually binding arbitration. If the denial is in bad faith, additional legal remedies may be available. An experienced underinsured motorist claim lawyer Union County will assess the denial and advise on the best course of action.
If you’ve been injured by an underinsured driver in Union County, do not assume your recovery is limited. Contact Law Offices Of SRIS, P.C. to discuss your UIM claim options. We offer 24/7 phone consultations.
Related Practice Areas in Union County: Personal Injury Lawyer Union County | Car Accident Lawyer Union County
Also Serving: Bergen County UIM Claim Lawyer | Middlesex County UIM Claim Lawyer
Back to: New Jersey Personal Injury Lawyer
Page last verified: 2026-04. Laws change. Contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.
Union County claims are handled by our New Jersey underinsured 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 · Underinsured Motorist Claim Lawyer Bergen County, NJ · Underinsured Motorist Claim Lawyer Hudson County, NJ · Underinsured Motorist Claim Lawyer Monmouth County, NJ.