In Union County, an underinsured motorist claim under N.J.S.A. 17:28-1.1 allows you to recover damages when the at-fault driver’s insurance is insufficient. Law Offices Of SRIS, P.C. has handled 4,739+ firm-wide case results. An Underinsured Motorist Claim Lawyer Union County can help you pursue fair compensation.
Last verified: April 2026 | Superior Court of NJ, Union Vicinage | N.J.S.A. 17:28-1.1 (official New Jersey Legislature)
New Jersey law requires all auto insurance policies to include underinsured motorist (UIM) coverage. Under N.J.S.A. 17:28-1.1, UIM coverage applies when the at-fault driver’s liability limits are less than the damages you suffered. Your own insurance company steps in to cover the difference, up to your UIM policy limits. This statute protects you from being undercompensated by a driver with minimal coverage. A UIM claim lawyer Union County understands how to handle these claims against your own insurer.
An underinsured motorist claim specifically addresses situations where the at-fault driver has insurance, but not enough to cover your full damages. This differs from uninsured motorist claims, where the at-fault driver has no insurance at all. The distinction matters because UIM claims involve your own insurance company, which may have different obligations and defenses. An underinsured driver accident lawyer Union County can explain how this affects your case.
For official legal references, consult N.J.S.A. 17:28-1.1 (New Jersey Legislature) regarding underinsured motorist coverage requirements. For court procedures, visit the Superior Court of NJ, Union Vicinage website.
- Report the accident to your insurance company immediately.
- Preserve all medical records and bills related to your injuries.
- Obtain the at-fault driver’s insurance policy limits.
- File a UIM claim with your own insurer under N.J.S.A. 17:28-1.1.
- If the insurer denies or undervalues your claim, consider arbitration or litigation.
In Union County, an underinsured motorist claim involves recovering damages from your own insurer when the at-fault driver’s policy is insufficient.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Underinsured Motorist Claim | Civil matter | N/A | N/A | N/A | Damages: medical expenses, lost wages, pain and suffering |
Results may vary. Prior results do not guarantee a similar outcome.
Founded in 1997 by former prosecutor Mr. Sris, Law Offices Of SRIS, P.C. brings over 120 years of combined legal experience. Firm-wide, we have achieved 4,739+ documented case results with a 93%+ favorable outcome rate. Our tagline is “Advocacy Without Borders.”
Firm-wide, Law Offices Of SRIS, P.C. has handled 4,739+ documented case results with over 93% favorable outcomes across VA, MD, NJ, NY, and DC.
Results may vary. Prior results do not guarantee a similar outcome.
Our New Jersey location is accessible to Union County clients via NJ Turnpike, GSP, Route 22, Route 1, and I-78. We serve Elizabeth, Union Township, Plainfield, Westfield, Scotch Plains, Cranford, Summit, Linden, Rahway, Clark, Roselle, and Springfield.
Underinsured motorist claim lawyer near Union County — available 24/7.
24/7 phone consultations — Toll-Free: (888) 437-7747 | Local: (609)-983-0003 — meetings by appointment only.
Q: Do I need a lawyer for an underinsured motorist claim in Union County?
Yes. Insurance companies often undervalue UIM claims. An Underinsured Motorist Claim Lawyer Union County can negotiate with your insurer and pursue arbitration or litigation if necessary.
Q: How long do I have to file a UIM claim in New Jersey?
The statute of limitations for personal injury claims in NJ is 2 years from the accident date. For UIM claims, you must also comply with your policy’s notice requirements, typically within 30 days.
Q: What damages can I recover in a UIM claim?
You can recover medical expenses, lost wages, pain and suffering, and loss of consortium. NJ applies modified comparative fault, barring recovery if you are more than 50% at fault.
Q: Does New Jersey require underinsured motorist coverage?
Yes. NJ law requires all auto policies to include UIM coverage unless you reject it in writing. The minimum UIM limit is $15,000 per person and $30,000 per accident.
Q: Can I sue my own insurance company for bad faith on a UIM claim?
It depends. NJ recognizes bad faith claims against insurers that unreasonably deny or delay UIM payments. You must prove the insurer acted without a reasonable basis.
Last verified: April 2026. Information current as of April 2026. Laws change — contact Law Offices Of SRIS, P.C. at (888) 437-7747 for updated guidance.
Attorney responsible for this advertisement: Mr. Sris, Law Offices Of SRIS, P.C., 44 Apple St 1st Floor, Tinton Falls, NJ 07724.