Ask a New Jersey Consumer Lawsuit Attorney, if your auto insurance depicts either a verbal threshold or a zero threshold limit. This means there may be limitations on whether you can bring a claim for pain and suffering if you sustained an injury in an automobile accident. The verbal threshold limitation can ultimately restrict your rights to filing a claim against the other party for non-economic losses. A zero threshold, however, permits you to sue the other party for such things as pain and suffering from the result of a car crash. Having a zero threshold on your plan also means that you likely pay a much higher premium on your insurance.
A verbal threshold restricts your ability to sue for non-economic damages unless the type of injury falls into one of six categories. They are as follows:
- Permanent injury
- Displaced fracture
- Significant disfigurement or scarring
- Loss of a fetus
Besides the above categories, if you have any other type of injury, you will be unable to collect from the other party for your pain and suffering unless you can show the injuries are permanent in nature.
Though are paying more on your insurance premium to have a zero threshold limitation, you will be able to sue the other party for pain and suffering resulting from an injury. Speaking with a New Jersey Consumer Lawsuit Attorney who has represented so many in lawsuits for pain and suffering will be extremely vital to winning your case.
Every situation is different, and there may be facts specific to your case that can sway the potential verdict one way or another. Call an experienced attorney today who has the skill to help make this trying time in your life smooth as possible. You have enough to worry about already, find an attorney who will work with you to get the compensation you deserve.
Mark Yampaglia is an experienced attorney who knows how insurance law works and always embraces every client with compassion. He knows exactly how stressful and painful the entire experience can be and is looking out for you. Call today at (201) 933-3240 and see just what he can do for you. Our law offices also effectively defend clients in North Jersey against drug charges.