New Jersey Underinsured Motorist Claim Lawyer — How Do You Recover Full Compensation?
If you are injured in a New Jersey car accident by a driver with insufficient insurance, you need a New Jersey underinsured motorist claim lawyer. Underinsured motorist (UIM) coverage under N.J.S.A. 17:28-1.1 can bridge the gap between the at-fault driver’s policy limits and your total damages. Law Offices Of SRIS, P.C. provides full representation to help you pursue this critical compensation from your own insurer.
What Is an Underinsured Motorist Claim in New Jersey?
An underinsured motorist (UIM) claim is a request for benefits from your own auto insurance policy when the at-fault driver’s liability insurance is not enough to cover your losses. New Jersey law requires insurers to offer this coverage, which you can purchase to protect yourself. It is distinct from an uninsured motorist (UM) claim, which applies when the other driver has no insurance at all. A New Jersey underinsured motorist claim lawyer handles the complex process of proving your damages exceed the at-fault party’s limits and negotiating with your own insurance company.
Last verified: April 2026 | New Jersey Courts | New Jersey Legislature
Official New Jersey Legal Resources
Understanding the statutes and court procedures is vital. You can review the New Jersey Statutes (N.J.S.A.) for insurance laws. For court rules and forms related to filing a claim or lawsuit, visit the New Jersey Courts website.
The Process for a UIM Claim in New Jersey
Pursuing an underinsured motorist claim involves specific steps. First, you must exhaust the at-fault driver’s policy limits through a settlement or judgment. Then, you must formally notify your insurer of your intent to seek UIM benefits. Insurers often resist these claims, requiring detailed documentation and sometimes arbitration or litigation.
- Exhaust the At-Fault Policy: Settle with or obtain a judgment against the other driver’s insurance company for their full policy limits.
- Formal UIM Demand: Notify your insurance company in writing of your underinsured motorist claim, providing all evidence of your damages.
- Negotiation & Review: Your attorney negotiates with your insurer’s claims adjuster, who will conduct their own review of your case.
- Arbitration or Litigation: If a settlement cannot be reached, your policy may require arbitration. If not, or if arbitration fails, filing a lawsuit may be necessary.
Why Choose Our Firm for Your Injury Claim
Founded in 1997, Law Offices Of SRIS, P.C. brings over 120 years of combined legal experience to your case. Our firm-wide track record includes over 4,739 case results with a favorable outcome rate exceeding 93%. We understand that an underinsured motorist claim is a dispute with your own insurer, and we approach it with the same diligence as a case against another party.
Case Results for Injury Victims
Our injury attorneys work to secure full compensation for clients facing insurance shortfalls. While every case is unique, our approach is consistent: thorough investigation, meticulous damage calculation, and assertive negotiation or litigation.
Results may vary. Prior results do not aim for a similar outcome.
Our New Jersey Location for Injury Clients
Law Offices Of SRIS, P.C.
44 Apple St, 1st Floor
Tinton Falls, NJ 07724
Toll-Free: (888) 437-7747 | Local: (609)-983-0003 | Local: (732) 758-0500
By appointment only.
Our Tinton Falls location serves clients throughout Monmouth County and surrounding areas. We offer 24/7 phone consultations at (888) 437-7747, with meetings scheduled by appointment only.
Frequently Asked Questions
Do I need a lawyer for an underinsured motorist claim?
Yes. An injury claim lawyer is crucial because you are now dealing with your own insurance company, which has a financial incentive to minimize your payout. An attorney handles the complex negotiations, evidence gathering, and potential arbitration or litigation to fight for the full value of your claim.
What is the difference between UM and UIM coverage?
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. Your compensation lawyer will determine which type of claim you need to file.
How long do I have to file a UIM claim in New Jersey?
It depends. While the statute of limitations for a personal injury lawsuit in New Jersey is generally two years, your insurance policy may have a shorter contractual deadline for notifying the company of a UIM claim. An accident lawyer should review your policy immediately to protect your rights.
Will my insurance rates go up if I file a UIM claim?
It depends on your policy and your insurer’s practices. New Jersey law places restrictions on premium increases for not-at-fault claims, but you should consult with your injury attorney and insurance agent to understand the potential implications before proceeding.
If you have been hurt by an underinsured driver, do not settle for less than you need to recover. Contact a New Jersey underinsured motorist claim lawyer at Law Offices Of SRIS, P.C. today for a case review.
Page Last verified: April 2026. Laws change. Contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.
Under N.J. Stat. § 14A:1-1, state law governs this practice area.