Underinsured motorist claims in Bergen County, New Jersey, allow you to seek compensation from your own insurance when the at-fault driver’s coverage is insufficient. Law Offices Of SRIS, P.C. has extensive experience handling these claims in Bergen County. Under New Jersey insurance law, you may recover medical expenses, lost wages, and pain and suffering. Call (888) 437-7747 for a consultation by appointment.
Underinsured Motorist Claim Lawyer in Bergen County, New Jersey
An underinsured motorist (UIM) claim arises when you are injured in an accident caused by a driver whose liability insurance limits are insufficient to cover your damages. In New Jersey, UIM claims are governed by the New Jersey Automobile Insurance Statute and the New Jersey Comparative Negligence Act (N.J.S.A. 2A:15-5.1 et seq.). Under New Jersey law, you may file a UIM claim with your own insurance company to recover the difference between the at-fault driver’s policy limits and your actual damages. The statute of limitations for personal injury claims in New Jersey is generally two years from the date of the accident, as established under N.J.S.A. 2A:14-2. Missing this deadline can bar your claim entirely. Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., “Advocacy Without Borders,” brings 120+ years combined legal experience to help you handle the details of UIM claims in Bergen County.
Last verified: May 2026 | Superior Court of New Jersey, Law Division — Civil Part (Bergen County) | New Jersey Legislature — official site
For authoritative legal references, consult the following official government resources:
In the Superior Court of New Jersey, Law Division — Civil Part (Bergen County), underinsured motorist claims often involve complex negotiations with insurance companies. We have observed that insurers routinely delay or undervalue UIM claims, hoping claimants will accept low settlements.
Our experience shows that early engagement with an attorney significantly improves outcomes. Insurance adjusters are less likely to deny or lowball claims when legal representation is involved.
- Seek immediate medical attention and document all injuries.
- Notify your insurance company of the accident and your intent to file a UIM claim.
- Gather all evidence, including police reports, witness statements, and medical records.
- Consult an underinsured motorist claim lawyer in Bergen County to evaluate your case.
- File the UIM claim with your insurance company through your attorney.
- Negotiate or litigate for fair compensation, including medical expenses, lost wages, and pain and suffering.
In Bergen County, underinsured motorist claims do not carry criminal penalties but involve civil damages. The compensation you may recover includes medical expenses, lost wages, pain and suffering, and future damages. Results may vary.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Underinsured Motorist Claim (Civil) | Civil Claim | N/A | N/A | N/A | Compensation for medical expenses, lost wages, pain and suffering |
Results may vary.
Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C. 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 is dedicated to providing aggressive representation for underinsured motorist claims in Bergen County. We understand the local court system and insurance practices, allowing us to build strong cases for our clients. “Advocacy Without Borders” means we fight for you regardless of the complexity of your claim.
Law Offices Of SRIS, P.C. has 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ, with a favorable-outcome rate above 93%. While specific case results for Bergen County are not available, our firm-wide experience demonstrates our commitment to achieving favorable outcomes for our clients. Results may vary.
Our location in Tinton Falls, NJ is approximately 50 miles from the Superior Court of New Jersey, Bergen Vicinage in Hackensack, with access via I-80, NJ Turnpike, Route 17, Route 4, and Route 46.
If you need an underinsured motorist claim lawyer near Bergen County, we are here to help.
Serving the communities of Hackensack, Fort Lee, Teaneck, Paramus, Englewood, Ridgewood, Fair Lawn, Bergenfield, Garfield, Mahwah, Ramsey, and Lyndhurst.
24/7 phone consultations — (888) 437-7747 — meetings by appointment only.
Law Offices Of SRIS, P.C. — New Jersey
44 Apple St, 1st Floor, Tinton Falls, NJ 07724
Phone: (609) 983-0003
Toll-Free: (888) 437-7747
By appointment only.
Frequently Asked Questions About Underinsured Motorist Claims in Bergen County
How long do I have to file a personal injury claim in Bergen 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 (Bergen 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 after an accident in Bergen County, NJ?
Seek medical attention, document the scene, and contact Law Offices Of SRIS, P.C. Personal injury cases in Bergen County have strict filing deadlines. Consultation by appointment — (888) 437-7747.
What compensation can I recover for a personal injury in Bergen County?
Personal injury claimants in Bergen County may recover medical expenses, lost wages, pain and suffering, and future damages. Results may vary by case. SRIS, P.C. — (888) 437-7747.
How does a personal injury lawsuit work in Bergen County courts?
Personal injury cases in Bergen County proceed through demand, negotiation, and if necessary litigation in NJ court. Most settle before trial. Results may vary. SRIS, P.C. — (888) 437-7747.
What is an underinsured motorist claim in New Jersey?
An underinsured motorist claim in New Jersey allows you to seek compensation from your own insurance policy when the at-fault driver’s liability limits are insufficient to cover your damages. This is governed by New Jersey insurance law and requires experienced legal guidance.
Related Practice Areas and Locations
- Personal Injury Lawyer New Jersey — State hub for personal injury law
- Personal Injury Lawyer Hunterdon County — Serving Hunterdon County, NJ
- Personal Injury Lawyer Morris County — Serving Morris County, NJ
- Personal Injury Lawyer Monmouth County — Serving Monmouth County, NJ
Page last updated: 2026-05-01. Legal references verified as of 2026-02-20.