Uninsured Motorist Claim Lawyer Gloucester County NJ |
Uninsured Motorist Claim Lawyer in Gloucester County, NJ — What Are Your Rights?
An uninsured motorist claim in Gloucester County, NJ, allows you to seek compensation from your own insurer after a crash with an at-fault driver who has no insurance. Under N.J.S.A. 17:28-1.1, your policy must include this coverage. Law Offices Of SRIS, P.C.
New Jersey Uninsured Motorist Law
New Jersey law mandates that all auto insurance policies include Uninsured Motorist (UM) coverage, as codified in N.J.S.A. 17:28-1.1. This coverage is designed to protect you if you are injured by a driver who has no liability insurance. In Gloucester County, these claims are typically filed against your own insurance company, not the at-fault driver. The process requires proving the other driver was uninsured and entirely at fault for the accident. Your recovery may be limited by your own policy’s UM coverage limits and is subject to New Jersey’s modified comparative negligence rule, which bars recovery if you are found more than 50% at fault.
Last verified: April 2026 | Superior Court of NJ, Gloucester Vicinage | New Jersey Legislature
Official Legal Resources
For the official text of the law governing uninsured motorist coverage, refer to the New Jersey Statutes (N.J.S.A. 17:28-1.1). For local court procedures and forms, visit the New Jersey Courts website.
Handling a Gloucester County UM Claim
Filing an uninsured motorist claim in Gloucester County involves specific steps. You must first establish that the other driver was uninsured at the time of the crash. Your insurer will then investigate the claim as if it were defending the at-fault party, which can create a conflict. It is critical to document all injuries and damages thoroughly before initiating the claim process.
- Report the accident to police and your own insurance company immediately.
- Gather evidence proving the other driver had no valid insurance.
- Seek immediate medical attention and keep detailed records of all treatments.
- Notify your insurer in writing of your intent to file a UM claim.
- Participate in your insurer’s investigation but consult an attorney before giving any recorded statements.
- If a settlement cannot be reached, prepare for arbitration or litigation per your policy terms.
Potential Compensation in a UM Claim
In Gloucester County, a successful uninsured motorist claim can recover compensation for medical expenses, lost income, and pain and suffering, up to the limits of your own UM policy.
| Compensation Type | Description | Notes |
|---|---|---|
| Medical Expenses | Covers hospital bills, doctor visits, therapy, and future medical care. | Must be documented and related to the accident. |
| Lost Wages | Compensation for income lost due to injury and recovery time. | Includes future earning capacity if permanently impaired. |
| Pain and Suffering | Monetary value assigned to physical pain and emotional distress. | Amount varies based on injury severity and impact. |
| Property Damage | Repair or replacement costs for your vehicle (often under collision coverage). | UM coverage typically applies to bodily injury, not property. |
Results may vary. Prior results do not aim for a similar outcome.
Why Choose Our Firm for Your UM Claim
Founded in 1997 by former prosecutor Mr. Sris, Law Offices Of SRIS, P.C. brings a strategic approach to uninsured motorist claims. Our firm-wide experience of over 120 combined years and more than 4,739 case results informs our understanding of insurance company tactics. We know that insurers often treat UM claimants as adversaries. Our “Advocacy Without Borders” philosophy means we prepare every case thoroughly, from evidence collection through settlement negotiations or arbitration, to protect your rights against your own insurer.
Our Approach to Your Case
We begin by conducting a full investigation to conclusively prove the other driver was uninsured. We then meticulously document all your damages, often working with medical and economic experts to build a strong valuation of your claim. We handle all communications with the insurance company, aiming to negotiate a fair settlement. If the insurer refuses to offer a reasonable amount, we are prepared to pursue arbitration or litigation as outlined in your policy.
Results may vary. Prior results do not aim for a similar outcome.
Contact Our Gloucester County Uninsured Motorist Claim Law Firm
Law Offices Of SRIS, P.C.
New Jersey Location — 44 Apple St, 1st Floor, Tinton Falls, NJ 07724
Toll-Free: (888) 437-7747 | Local: (609)-983-0003 | Local: (732) 651-3900
By appointment only.
Our New Jersey location serves clients at Gloucester County courts. We represent individuals in Woodbury, Washington Township, Deptford, Monroe Township, Mantua, West Deptford, Glassboro, Woolwich, Harrison Township, Pitman, and surrounding communities. 24/7 phone consultations — meetings by appointment only.
Uninsured Motorist Claim Lawyer Gloucester County NJ FAQ
What is uninsured motorist coverage in New Jersey?
Yes. New Jersey law requires all auto insurance policies to include Uninsured Motorist (UM) coverage. This protects you if you are injured by a driver who has no insurance. It covers medical expenses, lost wages, and pain and suffering up to your policy’s limits.
How long do I have to file an uninsured motorist claim in NJ?
It depends. While the statute of limitations for personal injury in New Jersey is generally two years, your insurance policy may have a shorter notification period for UM claims, sometimes as little as 30 days. You should report the accident and your intent to file a claim to your insurer immediately to avoid losing your rights.
Will my rates go up if I file a UM claim?
It depends. New Jersey law prohibits insurers from raising your rates solely for filing an uninsured motorist claim where you were not at fault. However, other factors in your driving record can affect premiums. An experienced uninsured motorist claim attorney Gloucester County NJ can advise you on this.
What if the other driver is underinsured?
New Jersey also requires Underinsured Motorist (UIM) coverage. If the at-fault driver has insurance, but their limits are too low to cover your damages, you can file a UIM claim with your own company for the difference, up to your policy’s UIM limits. The process is similar to a UM claim.
Do I need a lawyer for an uninsured motorist claim?
Yes. While not legally required, it is highly advisable. Your own insurance company has a financial interest in paying you as little as possible. An uninsured motorist claim law firm Gloucester County NJ like ours understands the tactics used and can negotiate aggressively or take the case to arbitration to fight for the full compensation you deserve.
Related Legal Services in Gloucester County: If you have other legal needs, our firm also handles business law, civil litigation, and DUI defense. For more on personal injury law statewide, visit our New Jersey Personal Injury Lawyer hub. We also serve clients in neighboring areas like Camden County and Burlington County.
Page last verified: 2026-04. Laws change — contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.
Under N.J. Stat. § 14A:1-1, state law governs this practice area.