New Jersey Uninsured Motorist Claim Lawyer — How Do You Recover Damages?
If you are injured in a New Jersey car accident by a driver with no insurance, your own policy’s uninsured motorist (UM) coverage is your primary path to compensation. A New Jersey uninsured motorist claim lawyer from Law Offices Of SRIS, P.C.
Understanding New Jersey Uninsured Motorist Coverage
New Jersey law requires all auto insurance policies to include uninsured motorist (UM) coverage, which protects you if you are injured by a driver who has no liability insurance. Under N.J. Stat. § 17:28-1.1, this coverage must match your policy’s liability limits for bodily injury, unless you formally selected lower limits in writing. This statute ensures a baseline of protection for New Jersey drivers.
Last verified: April 2026 | New Jersey Courts | New Jersey Legislature
Founded in 1997 by former prosecutor Mr. Sris, our firm has over 120 years of combined attorney experience. We understand that dealing with your own insurance company after an accident can be difficult, and we are prepared to advocate for your full recovery under the terms of your policy.
Official Legal Resources
For the official text of the law governing uninsured motorist coverage, see N.J. Stat. § 17:28-1.1 (official New Jersey Legislature site). For court forms and procedures related to auto accident claims, visit the New Jersey Courts website.
The Process for a New Jersey UM Claim
Filing an uninsured motorist claim in New Jersey involves specific steps. First, you must report the accident to your own insurance company promptly. Your insurer will then investigate the claim, which includes verifying that the at-fault driver was indeed uninsured. It is common for insurers to initially offer a low settlement. An experienced injury attorney can negotiate with the insurance adjusters and, if necessary, demand arbitration as outlined in your policy to fight for a fair outcome.
- Seek Medical Attention: Your health is the priority. Keep detailed records of all treatments related to the accident.
- Report the Accident: File a police report and notify your insurance company about the crash and the other driver’s lack of insurance.
- Gather Evidence: Collect the police report, witness statements, photos of the scene and damage, and all medical records and bills.
- Consult a Lawyer: Speak with a New Jersey uninsured motorist claim lawyer before giving any recorded statements to your insurer.
- File the UM Claim: Your attorney will formally notify your insurer of the UM claim and submit a demand package with supporting evidence.
- Negotiate or Arbitrate: If a fair settlement cannot be reached through negotiation, your attorney will proceed to arbitration, as most NJ auto policies require for UM disputes.
Potential Compensation in a UM Claim
In New Jersey, a successful uninsured motorist claim can recover compensation for economic and non-economic damages, up to the limits of your UM coverage.
| Damage Type | Description | Examples |
|---|---|---|
| Economic Damages | Quantifiable financial losses | Medical expenses, lost wages, future medical care, property damage |
| Non-Economic Damages | Subjective, non-financial losses | Pain and suffering, emotional distress, loss of enjoyment of life |
Results may vary. Prior results do not aim for a similar outcome.
Our Experience with Your Claim
Law Offices Of SRIS, P.C. was founded in 1997. Our team brings a combined 120+ years of legal experience to every case. We focus on providing clear guidance through the insurance claims process. As your injury claim lawyer, we work to document your losses thoroughly and build a strong demand to maximize your recovery under your policy’s uninsured motorist coverage.
Case Results and Client Focus
Our firm-wide focus is on achieving favorable outcomes for our clients. We have handled thousands of personal injury matters across our service areas. While every case is unique, our approach is consistent: we investigate diligently, communicate clearly, and advocate persistently. An experienced compensation lawyer understands how to value a claim and counter an insurance company’s tactics.
Results may vary. Prior results do not aim for a similar outcome.
Local Service for New Jersey 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) 758-0003
By appointment only.
Our Tinton Falls location serves clients throughout Monmouth County and New Jersey. We offer 24/7 phone consultations at (888) 437-7747, and meetings are scheduled by appointment. If you need a New Jersey uninsured motorist claim lawyer near you, contact us to discuss your situation.
Frequently Asked Questions
What if the at-fault driver is underinsured instead of uninsured?
It depends. New Jersey policies also include underinsured motorist (UIM) coverage. If the other driver’s limits are too low to cover your damages, your UIM coverage may apply after their policy is exhausted. A lawyer can review both policies.
Will my insurance rates go up if I file an uninsured motorist claim?
No, typically not. New Jersey law prohibits insurers from raising your premiums solely because you filed a UM claim where you were not at fault. The claim is made against a different part of your policy.
How long do I have to file a UM claim in New Jersey?
You must file a lawsuit within 6 years from the date of the accident for a breach of contract claim against your insurer. However, your policy likely requires you to notify them of the claim much sooner. Delaying can hurt your case.
Do I need a lawyer for an uninsured motorist claim?
Yes, it is highly advisable. Insurance companies have teams working to minimize payouts. A skilled accident lawyer knows how to negotiate with adjusters, handle the required arbitration process, and fight for the full value of your claim.
What if I have “stacked” UM coverage?
Stacking allows you to combine the UM limits from multiple vehicles on your policy, potentially doubling or tripling your available coverage. An attorney can determine if your policy includes this valuable option and how to apply it to your claim.
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Last verified: April 2026. Laws can change. Contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.