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What is "Verbal Threshold" or "Limitation on Lawsuit" in my auto insurance policy?

In 1998 the NJ legislature through the lobbying efforts of insurance companies, established severe restrictions on your ability to bring a lawsuit, otherwise known as Limitation on Lawsuit or Verbal Threshold.

There are six types of injuries that you can recover for, if you (UNFORTUNATELY) chose the Verbal Threshold - Limitation on Lawsuit auto insurance option or were given it because you didn't opt out of it:

  1. Death (fatal accidents)
  2. Dismemberment
  3. Significant Disfigurement or Scarring
  4. Displaced Fractures
  5. Loss of a Fetus, or
  6. A permanent injury within a reasonable degree of medical probability

Unfortunately, it has been reported that over 92% of all drivers insured in New Jersey have chosen (whether knowingly or not) verbal threshold - limitation on lawsuit auto insurance policies. If you have been involved in an auto accident and have suffered injuries contact an experienced attorney to help determine whether you are subject to New Jersey's verbal threshold/limitation on lawsuit restriction. At Morris Downing Sherred we know how to recover for our injury clients who have previously chosen verbal threshold/limitation on lawsuit auto insurance and have done so many times.

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