A victim who suffers personal injuries from a motor vehicle accident may have restricted their ability to be compensated under New Jersey law. Choosing the Limitation on Lawsuits options when purchasing automobile insurance, will restrict your access to compensation. With this option, you will only be able to recover damages if your injuries result in one of the following defined categories: death, displaced fracture, disfiguring scarring, dismemberment, loss of a fetus, or a permanent injury – which must be proven by objective medical evidence.
Your choice of insurance will not only restrict your rights to recover, but also those family members residing in your household, or others listed on the insurance policy. This often results in an unfair denial of compensation to those suffering personal injuries due to a negligent motor vehicle operator.
Insurance companies vigorously defend claims brought against them by injured victims who choose the Limitations on Lawsuits threshold. Juries appear reluctant to find permanent injuries and thus fewer awards are made.
While you may save a few dollars in the policy’s cost by electing the threshold, you in turn will give up important rights to be fairly and adequately compensated by a careless driver that caused you pain and suffering, loss of quality of life and/or disability. Give much consideration when purchasing your policy if the small savings is worth it.