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How The Verbal Threshold Impacts Your Rights After A Car Accident In New Jersey

After a devastating motor vehicle accident, navigating insurance issues can be a headache. One issue you may encounter is the verbal threshold for New Jersey policies. Also called a “limitation on lawsuit,” this type of auto insurance policy is popular because it offers cheaper premiums. However, it can make it challenging to recover noneconomic damages if you get hurt in a car accident, regardless of who was at fault.

If you or a loved one has been in a serious auto accident, it’s important to work with a knowledgeable attorney. At The Swain Law Firm, P.C., our lawyer in this area, Andrew Swain, is well-versed in the nuances of New Jersey personal injury law, including insurance issues. He understands the intricacies of verbal threshold policies. He can assess how your policy impacts your right to a financial recovery.

Every case is different. Turn to The Swain Law Firm, P.C., for guidance on how your auto insurance policy may impact your car accident case.

Exceptions To The Verbal Threshold Limitation

Verbal threshold policies limit your ability to recover noneconomic damages – that is, compensation for pain and suffering, which can be a significant portion of any personal injury recovery. Even if you have a verbal threshold policy, however, there may be ways around this limitation. For example, it doesn’t apply in cases involving:

  • Fatal accidents
  • Serious injuries
  • Permanent scarring or disfigurement
  • Loss of a fetus

Talk To A Lawyer First

Don’t let your insurance company pressure you into accepting a settlement without first contacting a lawyer. Otherwise, you could end up leaving significant financial recovery on the table.

Our legal team is committed to helping you secure the full compensation you deserve. We will undertake a thorough review of your policy to determine how it affects your rights. Drawing on decades of experience, our lawyer can ensure that the insurance company doesn’t take advantage of you.

Get started today by calling 215-550-1968 or sending us an email. We have convenient offices in Mount Laurel and Linwood.