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In Atlantic County, an underinsured motorist claim under N.J.S.A. 17:28-1.1 allows you to seek additional compensation when the at-fault driver’s insurance is insufficient. An Underinsured Motorist Claim Lawyer Atlantic County from Law Offices Of SRIS, P.C. can help you recover the full value of your injuries. We have handled thousands of personal injury cases firm-wide.
Last verified: April 2026 | Superior Court of NJ, Atlantic Vicinage | New Jersey Legislature
Statutory Definition & Your Rights
Under New Jersey law, an underinsured motorist (UIM) claim is governed by the New Jersey Automobile Insurance Cost Reduction Act (N.J.S.A. 17:28-1.1 et seq.). This statute allows you to recover damages from your own insurance company when the at-fault driver’s liability limits are insufficient to cover your medical bills, lost wages, and pain and suffering. The claim is designed to place you in the position you would have been in had the at-fault driver carried adequate insurance. An Underinsured Motorist Claim Lawyer Atlantic County can explain how the verbal threshold or limitation on lawsuit applies to your specific policy.
- Step 1: Report the accident to your insurance company and request a copy of the at-fault driver’s policy limits.
- Step 2: Gather all medical records, bills, and proof of lost wages related to the accident.
- Step 3: File a UIM claim with your own insurer, providing documentation of the at-fault driver’s insufficient coverage.
- Step 4: If the insurer denies or undervalues the claim, your attorney will demand arbitration or file a lawsuit in the Superior Court of NJ, Atlantic Vicinage.
- Step 5: Prepare for mandatory non-binding arbitration if the claim is under $20,000, or proceed to trial for larger claims.
In Atlantic County, an underinsured motorist claim can recover damages for medical expenses, lost wages, and pain and suffering, with no statutory cap on personal injury damages in New Jersey.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Underinsured Motorist Claim (UIM) | Civil Action | N/A | N/A | N/A | Potential arbitration or trial; subject to verbal threshold |
Results may vary. Prior results do not guarantee a similar outcome.
Law Offices Of SRIS, P.C. has a firm-wide track record of 4,739+ documented case results with over 93% favorable outcomes. Our team, including Mr. Sris, has the experience to handle your underinsured motorist claim in Atlantic County.
Law Offices Of SRIS, P.C. — New Jersey
44 Apple St, 1st Floor, Tinton Falls, NJ 07724
Toll-Free: (888) 437-7747 | Local: (609)-983-0003
By appointment only. 24/7 phone consultations.
Our Atlantic County location is accessible via the Garden State Parkway and Atlantic City Expressway, near the Superior Court of NJ, Atlantic Vicinage. We serve clients in Atlantic City, Egg Harbor Township, Galloway, Hamilton Township, Pleasantville, Hammonton, Absecon, Ventnor, Linwood, Brigantine, and Margate. Search for an underinsured driver accident lawyer Atlantic County or a UIM claim lawyer Atlantic County to get started.
Do I need a lawyer for an underinsured motorist claim in Atlantic County?
Yes. An attorney can help you handle the complex insurance laws and ensure you receive full compensation for your injuries.
How long do I have to file a UIM claim in New Jersey?
The statute of limitations for a UIM claim is generally 2 years from the date of the accident, but check your policy for specific notice requirements.
What is the verbal threshold in New Jersey?
It depends on your policy. The verbal threshold limits your right to sue for pain and suffering unless you sustain a permanent injury. A UIM claim lawyer can review your policy.
Can I settle a UIM claim without a lawyer?
Yes, but it is not recommended. Insurance companies often offer low settlements. An attorney can negotiate for a fair amount that covers all your damages.
What damages can I recover in a UIM claim?
You can recover medical expenses, lost wages, pain and suffering, and other out-of-pocket costs related to the accident.
For more information, visit the Superior Court of NJ, Atlantic Vicinage website or review the New Jersey Statutes Annotated.
Related pages: New Jersey Personal Injury Lawyer | Bergen County Personal Injury Lawyer | Atlantic County Business Lawyer
Attorney responsible for this advertisement: Mr. Sris, Law Offices Of SRIS, P.C., 44 Apple St 1st Floor, Tinton Falls, NJ 07724.
