11 NJ Exceptions To Verbal Threshold/Limited Tort Rights

There are 11 exceptions to New Jersey’s verbal threshold coverage that will allow a New Jersey car accident victim to recover full damages for their personal injuries in a car accident. Therefore, don’t assume that you are without the chance for a recovery just because you elected limited tort!  The  car accident lawyers at Geoffrey B. Gompers & Associates are knowledgeable at finding these exceptions and we charge no fee for our consults!

Often, our New Jersey clients have been able to recover pain and suffering damages in a New Jersey accident because the car accident lawyers at Geoffrey B. Gompers & Associates can prove one of the following exceptions:

The New Jersey limitation on lawsuit threshold does not apply in the following cases:

  1. to insured electing the No Limitation on Lawsuit threshold on his New Jersey policy;
  2. to persons not required to maintain PIP coverage;
  3. to a person injured in a car accident caused by a commercial vehicle not required to maintain PIP coverage;
  4. to out of state accidents;
  5. to out of state persons driving in New Jersey whose auto insurance carrier is not authorized to conduct business in New Jersey.

AICRA also contains six medical exceptions based upon the severity of the injury sustained in the car accident.  The following injuries qualify as exceptions: (1) death; (2) dismemberment; (3) loss of a fetus; (4) significant disfigurement or scarring; (5) displaced fractures; or (6) permanent injury. Even if you are bound by the Verbal Limited Tort Threshold, you may be able to recover damages for pain and suffering resulting from the automobile accident if your injuries meet these exceptions.

Be certain of your rights.  The Philadelphia car accident lawyers at Geoffrey B. Gompers & Associates recommend that you purchase No Limitation on Lawsuit coverage on your New Jersey Policy. But even where you didn’t, our lawyers have had excellent results in obtaining Full Tort coverage in car accident cases where others have felt that the claims were limited by New Jersey’s verbal threshold. Therefore, it still makes sense to call us for a free consult. Call our Philadelphia law offices at 215-567-6600 for a free consultation or contact us online.