In Union County, New Jersey, an uninsured motorist claim involves recovering damages from your own insurance policy when the at-fault driver lacks coverage. Law Offices Of SRIS, P.C. has extensive experience handling these claims in Union County. The NJ Comparative Negligence Act (N.J.S.A. 2A:15-5.1 et seq.) governs fault allocation. Call (888) 437-7747 for a consultation by appointment.
Uninsured Motorist Claim Lawyer Union County, New Jersey
An uninsured motorist claim in New Jersey arises when you are injured in an accident caused by a driver who does not have liability insurance. Under New Jersey law, your own insurance policy typically includes uninsured motorist (UM) coverage, which steps in to compensate you for medical expenses, lost wages, and pain and suffering. The NJ Comparative Negligence Act (N.J.S.A. 2A:15-5.1 et seq.) applies, meaning your recovery may be reduced if you are found partially at fault. If you are more than 50% at fault, you are barred from recovery entirely. The statute of limitations for filing a personal injury claim in New Jersey is generally 2 years from the date of the accident, as outlined under N.J.S.A. 2A:14-2. Missing this deadline can permanently bar your claim. Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., Advocacy Without Borders, brings 120+ years combined legal experience to every case.
Last verified: May 2026 | Superior Court of New Jersey, Law Division — Civil Part (Union County) | New Jersey Legislature
For official information on New Jersey’s comparative negligence laws, visit the New Jersey Legislature (official site). For court procedures in Union County, see the New Jersey Courts — Union Vicinage (official site).
In the Superior Court of New Jersey, Law Division — Civil Part (Union County), uninsured motorist claims often proceed through mandatory arbitration for cases under $20,000. We have observed that insurance companies frequently deny or undervalue UM claims, requiring thorough documentation and legal advocacy. The court requires strict adherence to discovery deadlines, including independent medical examinations (IMEs).
- Report the accident to your insurance company immediately, but do not provide a recorded statement without legal counsel.
- Preserve all evidence, including photos of the scene, medical records, and witness contact information.
- Contact an experienced UM claim lawyer to review your policy and assess your coverage.
- File a formal UM claim with your insurer, including all documentation of damages.
- If the insurer denies or undervalues your claim, your attorney can initiate arbitration or litigation in the Superior Court of New Jersey, Law Division — Civil Part (Union County).
- Attend all court hearings and arbitration sessions as required by the court.
In Union County, New Jersey, an uninsured motorist claim involves recovering damages from your own insurance policy. The potential compensation includes medical expenses, lost wages, pain and suffering, and loss of consortium. New Jersey’s modified comparative fault rule bars recovery if you are more than 50% at fault.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Uninsured Motorist Claim (Denial) | Civil Matter | None | None (damages sought) | None | Potential loss of compensation; increased insurance premiums |
| Underinsured Motorist Claim (Denial) | Civil Matter | None | None (damages sought) | None | Potential loss of compensation; increased insurance premiums |
Results may vary.
Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., Advocacy Without Borders, brings 120+ years combined legal experience, 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ, and a favorable-outcome rate above 93%. Our firm has extensive experience handling uninsured motorist claims in Union County, New Jersey. We understand the details of New Jersey’s comparative negligence laws and the strategies insurance companies use to deny or undervalue claims. Our team is committed to advocating for your rights and maximizing your compensation.
Law Offices Of SRIS, P.C. has extensive experience handling personal injury cases across multiple jurisdictions. While specific case results for Union County are not available, the firm has documented 4,739+ firm-wide results across VA, MD, DC, NY and NJ, with a favorable-outcome rate above 93%. Results may vary. Case results depend on a variety of factors unique to each case.
Our location in Tinton Falls, New Jersey is approximately 45 miles from the Superior Court of New Jersey, Law Division — Civil Part (Union County) in Elizabeth, with access via the Garden State Parkway and Route 22. As an uninsured driver accident lawyer Union County, we serve clients throughout the area. Serving the communities of Elizabeth, Union Township, Plainfield, Westfield, Scotch Plains, Cranford, Summit, Linden, Rahway, Clark, Roselle, and Springfield. 24/7 phone consultations — (888) 437-7747 — meetings by appointment only.
Our Location: 44 Apple St, 1st Floor, Tinton Falls, NJ 07724 | (609) 983-0003 | By appointment only.
Frequently Asked Questions About Uninsured Motorist Claims in Union County
How long do I have to file a personal injury claim in Union County, New Jersey?
New Jersey’s statute of limitations for personal injury under N.J.S.A. is typically 2-3 years from the date of injury, but shorter for claims against government entities (often 6 months notice requirement). Medical malpractice and wrongful death have distinct timelines. Missing the deadline bars the claim entirely — Superior Court of New Jersey, Law Division — Civil Part (Union County) will dismiss on timeliness grounds. Evidence preservation and witness statements degrade over time. Contact Law Offices Of SRIS, P.C. promptly — (888) 437-7747.
What should I do if I am facing an uninsured motorist claim in New Jersey?
If facing an uninsured motorist claim in New Jersey, contact a personal injury attorney immediately. Do not discuss the case with anyone except your lawyer. Preserve all relevant documents and evidence. The statute of limitations and court deadlines under New Jersey law require prompt action.
What are the penalties for an uninsured motorist claim in New Jersey?
Penalties for an uninsured motorist claim in New Jersey depend on the specific circumstances. Under New Jersey law, consequences may include financial liability for damages, increased insurance premiums, and potential legal fees. Consult a New Jersey personal injury attorney for case-specific guidance.
How does a New Jersey lawyer handle an uninsured motorist claim?
A New Jersey lawyer handling an uninsured motorist claim will review your insurance policy, gather evidence of the accident and your injuries, negotiate with the insurance company, and if necessary, file a lawsuit in the Superior Court of New Jersey, Law Division — Civil Part (Union County). The goal is to secure maximum compensation under your policy.
What is the difference between an uninsured and underinsured motorist claim in New Jersey?
An uninsured motorist (UM) claim applies when the at-fault driver has no insurance. An underinsured motorist (UIM) claim applies when the at-fault driver has insurance, but their policy limits are insufficient to cover your damages. Both types of claims are handled through your own insurance policy in New Jersey.
For more information about personal injury law in New Jersey, visit our Personal Injury Lawyer New Jersey hub page. You may also find our pages for Personal Injury Lawyer Hunterdon County and Personal Injury Lawyer Morris County useful.
Last verified: May 2026. This page was last updated on 2026-05-01.