In New Jersey, the Verbal Threshold, also known as the Limitation on Lawsuit option, is a provision within auto insurance policies that limits an individual’s ability to sue for non-economic damages resulting from a car accident. Non-economic damages typically include pain and suffering, emotional distress, and loss of enjoyment of life.
Under the Verbal Threshold option, individuals who choose this limitation on their auto insurance policy are essentially agreeing to accept limitations on their ability to sue for non-economic damages unless their injuries fall within specific categories defined by New Jersey law as “qualifying injuries.” These categories usually include severe injuries such as death, dismemberment, significant disfigurement or scarring, or the permanent loss of a bodily function.
Choosing the Verbal Threshold option typically results in lower insurance premiums, but it restricts the policyholder’s ability to seek compensation for pain and suffering unless their injuries meet the criteria outlined in the law. If you have been injured in an accident and are subject to the verbal threshold call Mark C. Dewland P.C. at 609-472-1377 and get the help you need.
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