Underinsured Motorist Claim Lawyer in Burlington County, NJ
An underinsured motorist (UIM) claim in Burlington County arises when an at-fault driver lacks sufficient insurance to cover your injury damages. New Jersey law, including the Automobile Insurance Cost Reduction Act, mandates specific coverage options and procedures for these claims. Law Offices Of SRIS, P.C.
Last verified: April 2026 | Superior Court of NJ, Burlington Vicinage | New Jersey Legislature
Understanding Underinsured Motorist Claims in New Jersey
An underinsured motorist (UIM) claim is a claim against your own auto insurance policy when the driver who caused your accident has liability limits that are insufficient to cover your total damages. New Jersey operates under a “choice” no-fault system, and UIM coverage is an optional but critical component. The relevant statutes include the New Jersey Automobile Insurance Cost Reduction Act and provisions within Title 17 of the New Jersey Statutes. Founded in 1997 by former prosecutor Mr. Sris, our firm understands the interplay between third-party liability and first-party UIM claims.
Official Legal Resources
For the full text of New Jersey’s insurance laws, refer to the New Jersey Legislature’s official website. For court-specific forms and procedures in Burlington County, visit the Superior Court of New Jersey, Burlington Vicinage website.
handling a UIM Claim in Burlington County
UIM claims in Burlington County are filed in the Superior Court Law Division after the underlying liability claim against the at-fault driver is resolved. A key procedural fact is that your UIM claim is essentially a lawsuit against your own insurance company, alleging they have not fulfilled their contractual obligation to cover your uncompensated losses. The process requires demonstrating that the at-fault party was underinsured and that your damages exceed their policy limits.
- Exhaust the At-Fault Driver’s Policy: First, settle with or obtain a judgment against the underinsured driver for the full limits of their liability policy.
- Provide Formal UIM Notice: Notify your own insurance company in writing of your intent to pursue an underinsured motorist claim, as required by your policy.
- Submit a Demand Package: Compile and submit medical records, bills, proof of lost wages, and documentation of pain and suffering to support your claim for damages exceeding the at-fault driver’s limits.
- Negotiate or Arbitrate: Many New Jersey auto policies require arbitration for UIM disputes. Engage in this process or direct negotiations with your insurer’s representatives.
- File a Lawsuit if Necessary: If a fair settlement cannot be reached, file a complaint in Burlington County Superior Court to litigate the UIM claim.
Potential Compensation in a UIM Case
In Burlington County, a successful underinsured motorist claim can recover compensation for medical expenses, lost income, pain and suffering, and other losses that exceed the at-fault driver’s policy limits, up to the limit of your own UIM coverage.
| Coverage Type | Typical Limit Range | Purpose |
|---|---|---|
| Bodily Injury Liability (At-Fault Driver) | $15,000 – $250,000+ | Covers injuries you cause to others |
| Underinsured Motorist (Your Policy) | Matches your BI limits or less | Covers your excess injuries from an underinsured driver |
| Personal Injury Protection (PIP) | $15,000 – $250,000+ | Covers your medical bills regardless of fault |
Results may vary. Prior results do not guarantee a similar outcome.
Why Choose Our Firm for Your UIM Claim
Law Offices Of SRIS, P.C. was founded in 1997. With over 120 years of combined attorney experience and a track record of thousands of case results, our firm brings substantial resources to insurance disputes. We understand that an underinsured driver accident lawyer Burlington County residents trust must be adept at handling both litigation and intricate negotiations with insurance companies.
Our Approach to UIM Claims
Our firm-wide experience includes handling 4,739+ documented case results. We apply a focused strategy to UIM claims: meticulously documenting all damages, aggressively negotiating with insurers, and being fully prepared to file suit in Burlington County Superior Court when necessary to protect your rights.
Results may vary. Prior results do not guarantee a similar outcome.
Contact Our Burlington County Underinsured Motorist Claim Lawyers
Our New Jersey location serves clients throughout Burlington County, including Mount Holly, Mount Laurel, Moorestown, and Burlington City. We offer 24/7 phone consultations for your underinsured motorist claim.
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.
Frequently Asked Questions: UIM Claims in Burlington County
What is the difference between uninsured (UM) and underinsured (UIM) motorist 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.
Do I need a UIM claim lawyer in Burlington County if I already have a car accident lawyer?
It depends. A lawyer handling your initial accident claim should also manage the subsequent UIM claim, as they require sequential action. An experienced underinsured motorist claim lawyer Burlington County residents hire will ensure both claims are coordinated to maximize your total recovery.
How long do I have to file a UIM claim in New Jersey?
The statute of limitations for filing a lawsuit for a UIM claim in New Jersey is generally six years from the date of the accident for a breach of contract claim against your insurer. However, your insurance policy may have shorter notice requirements, so immediate action is critical.
Can my insurance company deny my UIM claim?
Yes. Insurers may deny UIM claims for various reasons, such as late notice, disputes over the severity of injuries, or arguments that the at-fault driver was not actually underinsured. An experienced UIM claim lawyer Burlington County can challenge wrongful denials.
What if the underinsured driver is from out of state?
Your New Jersey UIM coverage typically still applies if the accident occurred in New Jersey. If the accident happened out of state, your policy’s terms will dictate coverage. This is demanding area where legal guidance from an underinsured driver accident lawyer Burlington County relies on is essential.
Related Practice Areas: Personal Injury Lawyer Burlington County | Car Accident Lawyer Burlington County
Also Serving: Camden County Personal Injury Lawyer | Ocean County Personal Injury Lawyer
Learn More: New Jersey Personal Injury Lawyer
Last verified: April 2026. Information current as of verification date. Laws change — contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.
Burlington County claims are handled by our New Jersey underinsured motorist claim practice, where the whole process is set out.
Your case in Burlington 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 Burlington County that is the Superior Court of NJ, Burlington Vicinage (8th Vicinage), 49 Rancocas Road, Mount Holly, NJ 08060, telephone (609) 518-2500, 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 Burlington 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: Burlington 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.