In Mercer 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. has handled 4,739+ documented case results firm-wide. Contact us 24/7.
Last verified: April 2026 | Superior Court of NJ, Mercer Vicinage | New Jersey Legislature
New Jersey’s uninsured motorist (UM) coverage law, codified at N.J.S.A. 17:28-1.1, requires auto insurers to offer UM coverage up to your liability limits. This coverage protects you when a hit-and-run or uninsured driver causes your injuries. The statute mandates that insurers provide this protection unless you reject it in writing. Understanding your policy’s UM limits is critical for full compensation after an accident with an uninsured driver.
Review the official statute: N.J.S.A. 17:28-1.1 (New Jersey Legislature). Visit the Superior Court of NJ, Mercer Vicinage website for court procedures.
In Mercer County, UM claims are filed in the Superior Court Law Division. Insurers often deny or undervalue claims. You must prove the other driver was uninsured and that your injuries resulted from the accident. Our firm knows how insurers handle these claims locally.
- Report the accident to police and obtain a report.
- Notify your insurer in writing within 24 hours.
- Gather evidence: photos, witness statements, medical records.
- File a UM claim with your insurer under N.J.S.A. 17:28-1.1.
- If denied, demand arbitration or file a lawsuit in Superior Court.
- Consult an attorney before signing any settlement.
In Mercer County, an uninsured motorist claim involves civil damages, not criminal penalties. Compensation covers medical bills, lost wages, and pain and suffering.
| Offense | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Uninsured Motorist Claim (Civil) | Civil Action | None | None (damages sought) | None | Statute of limitations: 2 years from injury |
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: “Advocacy Without Borders.”
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.
Our New Jersey location is accessible from Mercer County via I-95, Route 1, and the NJ Turnpike. We serve Trenton, Princeton, Hamilton Township, Ewing, Lawrence, West Windsor, East Windsor, Hopewell, Robbinsville, and Hightstown. 24/7 phone consultations — (888) 437-7747 — meetings by appointment only.
Toll-Free: (888) 437-7747 | Local: (609)-983-0003
44 Apple St, 1st Floor, Tinton Falls, NJ 07724
By appointment only.
Do I need a lawyer for an uninsured motorist claim in Mercer County?
Yes. An Uninsured Motorist Claim Lawyer Mercer County can help you handle the claims process, negotiate with insurers, and ensure you receive full compensation for your injuries.
How long do I have to file a UM claim in Mercer County?
It depends. 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 jeopardize your claim.
What damages can I recover in a UM claim?
You can recover medical expenses, lost wages, pain and suffering, and other out-of-pocket costs. NJ’s modified comparative fault rule may reduce your award if you are partially at fault.
Does New Jersey require UM coverage?
Yes. NJ law requires insurers to offer UM coverage up to your liability limits. You can reject it in writing, but most policies include it. Check your policy declarations page.
What if the uninsured driver is a hit-and-run?
Your UM coverage applies to hit-and-run accidents if you report the incident to police within 24 hours and can prove physical contact or corroborating evidence. An uninsured driver accident lawyer Mercer County can help.
Last verified: April 2026. Information updated as of 2026-02-20. 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.
