Salem County Uninsured Motorist Claim Lawyer — How Do You Get Paid?
If you are injured by an uninsured driver in Salem County, your own insurance policy is your primary source of recovery. An uninsured motorist claim lawyer Salem County from Law Offices Of SRIS, P.C. can help you handle this complex claim process to secure compensation for medical bills and lost wages. We have handled numerous UM claims in the area.
Understanding Uninsured Motorist Coverage in New Jersey
New Jersey law requires all auto insurance policies to include Uninsured Motorist (UM) coverage, which protects you if you are hit by a driver with no insurance. This coverage is governed by N.J.S.A. 17:28-1.1. It is designed to place you in the same position you would have been in if the at-fault driver had been insured. Filing a UM claim means making a claim against your own insurance company, which can lead to disputes over fault and the value of your injuries. A skilled uninsured motorist claim lawyer Salem County is essential to advocate for your full entitlement under the policy you paid for.
Last verified: April 2026 | Salem County Superior Court | New Jersey Legislature.
Official Resources for Your Claim
For the official statute governing uninsured motorist coverage, refer to the New Jersey Legislature’s website (N.J.S.A. 17:28-1.1). For local court procedures and filing information, you can visit the Salem County Vicinage website.
The Local Process for a Salem County UM Claim
Handling a UM claim in Salem County involves specific steps. First, you must report the accident to your own insurer promptly. Your insurance company will then investigate the accident as if it were representing the other driver, which can create a conflict. It is critical to have all medical documentation organized to prove the extent of your damages.
- Report the Accident: Notify your insurance company of the crash immediately and confirm you are filing a UM claim.
- Seek Medical Attention: Get a full medical evaluation and follow all treatment plans. Keep detailed records.
- Gather Evidence: Collect the police report, witness statements, photos of the scene and damage, and your medical bills.
- Submit a Demand Package: Your attorney will compile all evidence into a formal demand to your insurer for a settlement.
- Negotiate or Litigate: If the insurer denies the claim or offers too little, your lawyer may file a lawsuit in Salem County Superior Court.
Why Choose Our Firm for Your UM 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 over 4,739 case results with a favorable outcome rate exceeding 93%. We understand the tactics insurance companies use to minimize UM payouts and are prepared to fight for what you are owed under New Jersey law. Our “Advocacy Without Borders” approach means we are committed to your recovery.
Results may vary. Prior results do not aim for a similar outcome.
Our Approach to Uninsured Motorist Claims
We treat a UM claim with the same seriousness as a third-party lawsuit. Our team investigates the accident thoroughly to establish the uninsured driver’s fault. We then handle all communications with your insurance company, build a compelling case for your damages, and are prepared to take the case to trial in Salem County if a fair settlement cannot be reached. Our goal is to secure compensation for your medical expenses, lost income, and pain and suffering.
Results may vary. Prior results do not aim for a similar outcome.
Law Offices Of SRIS, P.C.
Serving Salem County, NJ
Toll-Free: (888) 437-7747 | Local: (609)-983-0003
By appointment only.
24/7 phone consultations — meetings by appointment only.
Frequently Asked Questions About UM Claims
What should I do immediately after a hit-and-run or accident with an uninsured driver in Salem County?
Yes. Call the police to file a report, seek medical attention, and contact your insurance company to initiate a UM claim. Then, consult an uninsured driver accident lawyer Salem County to protect your rights against your own insurer.
Will my insurance rates go up if I file an uninsured motorist claim?
It depends. New Jersey law prohibits insurers from raising rates solely because you filed a UM claim where you were not at fault. However, other factors can affect premiums. A UM claim lawyer Salem County can advise you on your specific policy terms.
How long do I have to file a UM claim lawsuit in New Jersey?
You generally have six years from the date of the accident to file a breach of contract lawsuit against your insurer for failing to pay a UM claim. However, you must notify your insurer and begin the claims process much sooner.
What damages can I recover through my uninsured motorist coverage?
You can recover compensation for medical expenses, lost wages, pain and suffering, and other losses you would have been able to claim from the at-fault driver if they had been insured, up to your policy limits.
Can I still file a UM claim if the at-fault driver is underinsured?
Yes. If the other driver has insurance but their limits are too low to cover your damages, you may file an underinsured motorist (UIM) claim under your own policy. The process is similar to a UM claim.
New Jersey Personal Injury Lawyer | Uninsured Motorist Claim Lawyer Cumberland County | Car Accident Lawyer Salem County
Last verified: April 2026. Laws change — contact Law Offices Of SRIS, P.C. at (609)-983-0003 for current guidance.
Under Va. Code § 13.1-1000 et seq., state law governs this practice area.
Salem County claims follow the same route as the rest of the state, and our page on uninsured motorist claim cases in New Jersey explains each stage.