When purchasing a standard insurance policy in New Jersey, a motorist must make a choice concerning the rights he or she will have to sue a driver causing an accident in which the policyholder suffers injury. A basic policy includes a limited right to sue option.
Right to Sue Option
Under the No Limitation on Lawsuit Option, a policyholder retains the right to sue the motorist who caused an auto accident for pain and suffering for any injury.
Limited Right to Sue Option
Under the Limitation on Lawsuit Option, a policyholder agrees not to sue the motorist who caused an auto accident for pain and suffering unless he or she sustains one of the permanent injuries listed below:
(Choosing this option does not affect your ability to sue for economic damages such as medical expenses and lost wages.)
- Loss of a body part
- Significant disfigurement or significant scarring
- A displaced fracture
- Loss of a fetus
- Permanent injury (Any injury shall be considered permanent when the body part or organ has not healed to its normal level of functioning and will not heal to such level with further medical treatment based on objective medical proof.)
- Death
Both the unlimited right to sue and the limited right to sue options only cover lawsuits for pain and suffering and/or non-economic losses. Your medical expenses and some economic losses for will be paid up to the limits of your PIP coverage and are not affected by the choice you make concerning your right to sue.
Source:
http://www.state.nj.us/dobi/division_consumers/pdf/autoguide02.pdf
For further details visit New Jersey Personal Injury Attorney or wants an appointment contact New Jersey Accident Attorney here: Law Offices of Jeffrey S. Hasson, P.C. 320 Cedar Lane Teaneck, NJ 07666
Call us today! (201) 530-6272
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