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In this instructional video, Mercer County NJ accident lawyer, Michael L. Saile, Jr., explains what the term verbal threshold auto insurance means. NJ law requires all drivers to purchase auto insurance. In order to make auto insurance cheaper for NJ drivers the NJ legislature enacted the Verbal Threshold insurance law which basically restricts the rights of injured accident victims to sue a negligent driver for pain and suffering damages.
If you chose verbal threshold/limitation on lawsuit insurance in NJ, you basically must have a serious type of personal injury to be able to recover for your pain and suffering and other "non-economic" damages. You can still recover for lost wages, property damage, and other out-of-pocket costs.
We advise all of our clients and loved ones to review their auto insurance policies as soon as possible to check whether you inadvertently chose verbal threshold/limitation on lawsuit auto insurance. If you choose verbal threshold auto insurance, you may also bind family members who live in your household, including your young children.
At our New Jersey personal injury law firm, we offer FREE auto insurance reviews for New Jersey drivers. We represent injured people throughout both New Jersey and Pennsylvania.
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