If you are injured by a driver with insufficient insurance in Passaic County, an Underinsured Motorist Claim Lawyer Passaic County from Law Offices Of SRIS, P.C. can help. Under N.J.S.A. 17:28-1.1, you may recover from your own policy. Mr. Sris has handled 4,739+ firm-wide case results with over 93% favorable outcomes.
Last verified: April 2026 | Superior Court of NJ, Passaic Vicinage | New Jersey Legislature
What Is an Underinsured Motorist Claim in Passaic County?
An underinsured motorist (UIM) claim applies when the at-fault driver’s liability insurance is insufficient to cover your medical expenses, lost wages, and pain and suffering. Under N.J.S.A. 17:28-1.1, your own insurance policy may provide additional coverage. The Superior Court of NJ, Passaic Vicinage handles these claims. Law Offices Of SRIS, P.C., founded in 1997 by former prosecutor Mr. Sris, has extensive experience with UIM claims in Passaic County.
External Citation Links
For the official New Jersey statute governing underinsured motorist claims, see N.J.S.A. 17:28-1.1 (official New Jersey Legislature). For the Passaic County Superior Court, visit njcourts.gov/courts/vicinages/passaic.
Insider Procedural Edge for UIM Claims in Passaic County
In Passaic County, UIM claims are filed in the Superior Court Law Division. Discovery includes an Independent Medical Exam (IME). The process involves proving the at-fault driver’s policy limits are exhausted.
- Report the accident to your insurance company.
- Obtain the at-fault driver’s policy limits.
- File a UIM claim with your own insurer.
- Provide medical records and bills.
- Attend an IME if requested.
- Negotiate or proceed to arbitration/trial.
Penalty and Compensation Table
In Passaic County, an underinsured motorist claim can recover damages for medical expenses, lost wages, and pain and suffering.
| Damages Type | Available Compensation | Limitations |
|---|---|---|
| Medical Expenses | Past and future medical bills | Must be reasonable and necessary |
| Lost Wages | Past and future lost income | Must be documented |
| Pain and Suffering | Non-economic damages | Subject to verbal threshold |
Results may vary. Prior results do not guarantee a similar outcome.
Why Choose Law Offices Of SRIS, P.C. for Your UIM Claim?
Founded in 1997, Law Offices Of SRIS, P.C. brings over 120 years of combined legal experience. Mr. Sris, a former prosecutor, has personally handled thousands of cases. Firm-wide, we have 4,739+ documented case results with a 93%+ favorable outcome rate. Our tagline is “Advocacy Without Borders.” We provide case-specific representation for each client.
Case Results
Firm-wide across VA, MD, NJ, NY, and DC, Law Offices Of SRIS, P.C. has achieved 4,739+ documented case results with over 93% favorable outcomes.
Results may vary. Prior results do not guarantee a similar outcome.
Local Presence in Passaic County
Our New Jersey location serves clients at Passaic County courts, accessible via I-80, Route 46, and Route 23. We serve Paterson, Clifton, Wayne, Passaic City, Totowa, Little Falls, West Milford, Pompton Lakes, Hawthorne, Ringwood, and Wanaque.
Looking for an underinsured motorist claim lawyer near Passaic County? We are here to help.
24/7 phone consultations — (888) 437-7747 — meetings by appointment only.
Toll-Free: (888) 437-7747 | Local: (609)-983-0003
By appointment only.
Frequently Asked Questions About UIM Claims in Passaic County
Can I file a UIM claim if the at-fault driver has no insurance?
No. A UIM claim requires the at-fault driver to have some insurance. If they have none, you would file an uninsured motorist (UM) claim instead.
How long do I have to file a UIM claim in Passaic County?
It depends. The statute of limitations for personal injury in NJ is 2 years from the accident date. However, UIM claims may have shorter contractual deadlines in your policy.
Does New Jersey have a verbal threshold that affects UIM claims?
Yes. If you selected the verbal threshold on your policy, you must prove your injuries meet a serious injury standard to recover pain and suffering damages.
What is the difference between UM and UIM coverage?
UM coverage applies when the at-fault driver has no insurance. UIM coverage applies when the at-fault driver has insurance but not enough to cover your damages.
Can I settle my UIM claim without a lawyer?
Yes, but it is not recommended. Insurance companies often offer low settlements. An Underinsured Motorist Claim Lawyer Passaic County can negotiate for full compensation.
Will my insurance rates increase after a UIM claim?
It depends. NJ law generally prohibits rate increases for not-at-fault accidents, but some insurers may raise rates. Check your policy or consult a lawyer.
Results may vary. Prior results do not guarantee a similar outcome.
Attorney responsible for this advertisement: Mr. Sris, Law Offices Of SRIS, P.C., 44 Apple St 1st Floor, Tinton Falls, NJ 07724.
