New Jersey law requires all auto insurance policies to include uninsured motorist (UM) coverage under N.J.S.A. 17:28-1.1. This coverage protects you when the at-fault driver has no insurance. The statute mandates that insurers offer UM limits equal to your liability limits unless you reject them in writing. An Uninsured Motorist Claim Lawyer New Jersey can help you understand your policy and pursue the compensation you deserve.
Last verified: April 2026 | Superior Court of New Jersey, Law Division — Civil Part | New Jersey Legislature — official site
Founded in 1997 by Mr. Sris, former prosecutor — Law Offices Of SRIS, P.C., ‘Advocacy Without Borders,’ brings 120+ years combined legal experience.
For the full text of New Jersey’s uninsured motorist statute, see N.J.S.A. 17:28-1.1 (New Jersey Legislature — official site). For information on New Jersey court procedures, visit New Jersey Courts — official site.
In the Superior Court of New Jersey, Law Division — Civil Part, insurers frequently deny UM claims based on policy exclusions or late notice. We have observed that many claims are initially undervalued by adjusters. An uninsured driver accident lawyer New Jersey can challenge these denials effectively.
- Report the accident to police and your insurer immediately.
- Do not sign any settlement offers without legal review.
- Preserve all medical records and bills.
- Document lost wages and out-of-pocket expenses.
- Contact an uninsured motorist claim lawyer New Jersey promptly.
In New Jersey, failing to carry uninsured motorist coverage as required by N.J.S.A. 17:28-1.1 can result in policy cancellation and financial penalties. However, the primary consequence is the inability to recover compensation after an accident with an uninsured driver.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Driving without insurance | Civil violation | None | $300–$1,000 | Suspension until proof filed | SR-22 requirement |
| Failure to maintain UM coverage | Policy violation | None | Varies by insurer | None | Reduced recovery in accident |
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 team has extensive experience handling uninsured motorist claims in New Jersey, helping clients handle complex insurance disputes.
Law Offices Of SRIS, P.C. has 4,739+ documented firm-wide results across VA, MD, DC, NY and NJ, including numerous favorable outcomes in uninsured motorist claims. Our firm-wide favorable-outcome rate exceeds 93%. Results may vary.
Our location in Tinton Falls is approximately 30 miles from the Superior Court of New Jersey, Law Division — Civil Part in Freehold, with access via I-195 and the Garden State Parkway. Serving the communities of all 21 New Jersey counties, including Bergen, Essex, Middlesex, Monmouth, and Morris. 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 Uninsured Motorist Claims in New Jersey
How long do I have to file an uninsured motorist claim in New Jersey?
Yes. New Jersey’s statute of limitations for uninsured motorist claims is typically 2 years from the date of the accident under N.J.S.A. 2A:14-2. Claims against government entities may require a 6-month notice. The Superior Court of New Jersey, Law Division — Civil Part will dismiss untimely claims. Contact Law Offices Of SRIS, P.C. promptly at (888) 437-7747.
Yes. You generally have 2 years from the accident date to file a UM claim in New Jersey under N.J.S.A. 2A:14-2.
What compensation can I recover from an uninsured motorist claim in New Jersey?
It depends. You may recover medical expenses, lost wages, pain and suffering, and property damage under your UM policy. New Jersey’s verbal threshold may limit pain and suffering recovery unless you sustained a permanent injury. An experienced UM claim lawyer New Jersey can evaluate your case.
Do I need a lawyer for an uninsured motorist claim in New Jersey?
Yes. Insurance companies often deny or undervalue UM claims. An uninsured driver accident lawyer New Jersey can negotiate with insurers, gather evidence, and file a lawsuit if necessary. SRIS, P.C. has extensive experience handling these claims across all 21 New Jersey counties.
What if the uninsured driver caused my accident in New Jersey?
You can file a claim under your own uninsured motorist coverage. New Jersey law requires insurers to offer UM coverage. An uninsured motorist claim lawyer New Jersey can help you handle the process and maximize your recovery. Call (888) 437-7747 for a consultation.
Learn more about our services: Personal Injury Lawyer New Jersey. Explore related pages: Personal Injury Lawyer Hunterdon County, Personal Injury Lawyer Morris County, Personal Injury Lawyer Bergen County.
Last verified: April 2026 | Page generated: 2026-05-01