In Bergen County, an uninsured motorist claim under N.J.S.A. 17:28-1.1 allows you to recover damages from your own insurer when the at-fault driver has no coverage. Law Offices Of SRIS, P.C. provides direct representation for UM claims in Bergen County. 24/7 availability.
Last verified: April 2026 | Superior Court of NJ, Bergen Vicinage | New Jersey Legislature
An uninsured motorist (UM) claim in New Jersey is governed by N.J.S.A. 17:28-1.1, which requires your own insurance company to pay for injuries caused by a driver who has no liability insurance. This coverage protects you when the at-fault party cannot pay. The claim is filed with your insurer, not the other driver’s. Law Offices Of SRIS, P.C., founded in 1997 by former prosecutor Mr. Sris, handles these claims in Bergen County.
For uninsured motorist claims specifically, the key statute is N.J.S.A. 17:28-1.1, which mandates UM coverage in all New Jersey auto policies. This differs from general personal injury law because the claim is against your own insurer, not a third party. The statute requires your insurer to offer UM limits equal to your liability limits unless you reject in writing.
For official legal references, consult the New Jersey Legislature website for N.J.S.A. 17:28-1.1 and the Superior Court of NJ, Bergen Vicinage website for court procedures.
In Bergen County, UM claims are filed in the Superior Court of NJ, Bergen Vicinage. The process involves proving the other driver was uninsured and that your injuries resulted from the accident. Your insurer may require an Independent Medical Exam (IME).
- Report the accident to your insurance company immediately.
- Obtain a police report confirming the other driver had no insurance.
- Gather medical records and bills documenting your injuries.
- File a formal UM claim with your insurer under N.J.S.A. 17:28-1.1.
- If denied, file a lawsuit in Bergen County Superior Court.
- Attend mediation or arbitration if required by your policy.
In Bergen County, an uninsured motorist claim seeks damages for medical expenses, lost wages, and pain and suffering. No criminal penalties apply, but your insurer may dispute the claim.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Uninsured Motorist Claim | Civil claim | None | None | None | Claim against your own insurer |
Results may vary. Prior results do not guarantee a similar outcome.
Law Offices Of SRIS, P.C. was founded in 1997 by former prosecutor Mr. Sris. The firm has over 120 years of combined legal experience and has handled 4,739+ documented case results with a 93%+ favorable outcome rate firm-wide across NJ, VA, MD, NY, and DC. Our tagline is “Advocacy Without Borders.”
No verifiable case result is available for this jurisdiction/topic. Firm-wide, SRIS 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 Bergen County clients via I-80, NJ Turnpike, Route 17, Route 4, Route 46, and the GW Bridge. We serve Hackensack, Fort Lee, Teaneck, Paramus, Englewood, Ridgewood, Fair Lawn, Bergenfield, Garfield, Mahwah, Ramsey, and Lyndhurst.
Uninsured motorist claim lawyer near Bergen County — available 24/7.
24/7 phone consultations — (888) 437-7747 — meetings by appointment only.
Toll-Free: (888) 437-7747 | Local: (609)-983-0003
By appointment only.
Do I need a lawyer for an uninsured motorist claim in Bergen County?
Yes. An attorney handles the claim against your own insurer, who may deny or undervalue your claim. Legal representation ensures you receive full compensation under N.J.S.A. 17:28-1.1.
How long do I have to file a UM claim in Bergen County?
The statute of limitations for personal injury in NJ is 2 years from the accident date. For UM claims, you must also notify your insurer promptly. Delays can result in denial.
What damages can I recover in a UM claim?
You can recover medical expenses, lost wages, pain and suffering, and loss of consortium. NJ has no cap on personal injury damages, but modified comparative fault applies if you are more than 50% at fault.
Does my UM coverage apply if I am a pedestrian hit by an uninsured driver?
Yes. UM coverage applies to you as a pedestrian if you are struck by an uninsured motorist. You file a claim under your own auto policy or a household member’s policy.
What if my insurer denies my UM claim?
You can appeal the denial or file a lawsuit in Bergen County Superior Court. An attorney can challenge the denial by proving the other driver was uninsured and your injuries are legitimate.
Internal links: New Jersey Personal Injury Lawyer | Atlantic County Personal Injury Lawyer | Burlington County Personal Injury Lawyer | Bergen County Business Lawyer | Bergen County Civil Litigation Lawyer
Last verified: April 2026. Information current as of this date. Laws change — contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.
Attorney responsible for this advertisement: Mr. Sris, Law Offices Of SRIS, P.C., 44 Apple St 1st Floor, Tinton Falls, NJ 07724.