Legal Question in Personal Injury in New Jersey

Re: suing for pain and suferring

I believe your question is aimed at the limitations set by the NJ State Legislature in its statutes whereby the right to sue was limited depending on certain choices made when you purchase your auto insurance. Basically, if you chose the "verbal threshold" you would only be permitted to sue the other driver in the case of "serious injuries" as defined in the statute but ultimately determined by the Courts. If, on the other hand, you had elected "no threshold", then you would have the unlimited right to sue for compensation based on the severity of your injuries, that is, for "pain and suffering". All of this would apply to your right to sue the other driver. On the other hand, your own insurance company would be liable to pay for all medical bills (subject to certain deduductibles and co-pays) and for your lost pay, again subject to certain limitations. No definitive answer can be given to your question without a careful review of your insurance policy and the facts and circumstances of your motor vehicle accident. If you want me to assist you, give me a call at 856-546-8010. Mention LawGuru when you call! Good luck! Rob Gleaner