Underinsured Motorist Claim Lawyer Union County, New Jersey
If you have been injured in an accident in Union County, New Jersey, and the at-fault driver’s insurance is insufficient to cover your damages, you may file an underinsured motorist claim under New Jersey law. Law Offices Of SRIS, P.C. has extensive experience handling UIM claims in Union County. Call (888) 437-7747 for a consultation by appointment.
An underinsured motorist claim in New Jersey is governed by N.J.S.A. 17:28-1.1, which requires your own insurance policy to provide coverage when the at-fault driver’s liability limits are exhausted. This statute ensures you can recover compensation for medical expenses, lost wages, and pain and suffering even when the other driver lacks sufficient insurance. The Superior Court of New Jersey, Law Division — Civil Part (Union County) handles these claims. Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., “Advocacy Without Borders,” brings 120+ years combined legal experience.
Last verified: May 2026 | Superior Court of New Jersey, Law Division — Civil Part (Union County) | New Jersey Legislature
For the official text of the underinsured motorist statute, see N.J.S.A. 17:28-1.1 (New Jersey Legislature — official site). For court procedures in Union County, visit Superior Court of New Jersey, Union Vicinage (njcourts.gov).
In the Superior Court of New Jersey, Law Division — Civil Part (Union County), insurance companies often deny or undervalue UIM claims. We have observed that prompt filing and thorough documentation significantly improve outcomes.
- Report the accident to your insurance company immediately.
- Obtain a copy of the police report and all medical records.
- Document the at-fault driver’s insurance policy limits.
- Contact an underinsured motorist claim lawyer in Union County.
- File a formal UIM claim with your insurer.
- If denied, file a lawsuit in the Superior Court of New Jersey, Law Division — Civil Part (Union County).
In Union County, New Jersey, an underinsured motorist claim involves recovering damages from your own policy when the at-fault driver’s insurance is insufficient. Damages may include medical expenses, lost wages, and pain and suffering.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Underinsured Motorist Claim | Civil Claim | None | None | None | Potential denial of claim if more than 50% at fault |
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%. The firm is dedicated to providing aggressive representation for underinsured motorist claims in Union County.
Law Offices Of SRIS, P.C. has extensive criminal defense experience in Union County, with a track record of favorable outcomes. Results may vary. The firm’s 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ demonstrate a commitment to client advocacy.
Our location in Tinton Falls, NJ is approximately 40 miles from the Superior Court of New Jersey, Union Vicinage in Elizabeth, with access via the NJ Turnpike and Garden State Parkway. 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.
Law Offices Of SRIS, P.C. — New Jersey
44 Apple St, 1st Floor, Tinton Falls, NJ 07724
(609) 983-0003
Frequently Asked Questions About Underinsured 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 is an underinsured motorist claim in New Jersey?
An underinsured motorist claim in New Jersey arises when the at-fault driver’s insurance coverage is insufficient to cover your damages. Under N.J.S.A. 17:28-1.1, you may seek compensation from your own policy’s UIM coverage. The Superior Court of New Jersey, Law Division — Civil Part (Union County) handles these claims. You must prove the other driver was at fault and that your damages exceed their policy limits.
What damages can I recover in an underinsured motorist claim in Union County, NJ?
In an underinsured motorist claim in Union County, NJ, you can recover medical expenses, lost wages, pain and suffering, and loss of consortium. New Jersey applies modified comparative fault under N.J.S.A. 2A:15-5.1 — you are barred from recovery if you are more than 50% at fault. There are no caps on personal injury damages in New Jersey. The Superior Court of New Jersey, Law Division — Civil Part (Union County) oversees these cases.
How does a UIM claim lawyer in Union County help with my case?
A UIM claim lawyer in Union County helps by gathering evidence, negotiating with insurance companies, and filing a lawsuit in the Superior Court of New Jersey, Law Division — Civil Part (Union County) if necessary. They ensure you meet the statute of limitations under N.J.S.A. 2A:14-2 and maximize your compensation. Law Offices Of SRIS, P.C. has extensive experience handling UIM claims in Union County.
What is the difference between underinsured and uninsured motorist claims in New Jersey?
An underinsured motorist claim applies when the at-fault driver has insurance but not enough to cover your damages. An uninsured motorist claim applies when the at-fault driver has no insurance at all. Both are governed by New Jersey insurance law and handled in the Superior Court of New Jersey, Law Division — Civil Part (Union County). A UIM claim lawyer Union County can explain the differences and pursue the appropriate claim.
What should I do if I am facing an underinsured motorist claim in New Jersey?
If you are facing an underinsured motorist claim in New Jersey, contact an underinsured driver accident lawyer Union County 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 underinsured motorist claim in New Jersey?
Penalties for an underinsured motorist claim in New Jersey depend on the specific circumstances. Under N.J.S.A. 17:28-1.1, consequences may include denial of the claim if you are more than 50% at fault. Consult a UIM claim lawyer Union County for case-specific guidance.
Last updated: 2026-05-01
Internal links:
For more information, visit our Personal Injury Lawyer New Jersey hub page. Also explore related pages: Personal Injury Lawyer Hunterdon County, Personal Injury Lawyer Morris County, and Personal Injury Lawyer Bergen County.