Call: (973) 920-7900

January 6, 2012

What type of insurance coverage do you have?

If you have suffered losses due to a traffic accident, you may face challenges in obtaining compensation for your losses and payment of your medical bills. Depending on your insurance coverage, you could be limited in the type of compensation you may seek for physical injuries and the necessary medical treatment. And you should talk to an experienced NJ auto insurance law attorney immediately.

New Jersey requires that all drivers carry insurance and you must at least have a basic policy that meets the minimum insurance requirements of New Jersey law. Although a basic policy does meet the minimum requirements, a standard policy may be a better option. However, even with a standard policy you must make a choice about your rights if injured in a motor vehicle accident.

The choice you make determines what claims may be paid if you have an accident:

Unlimited Right to Sue. Under this option, you retain the right to bring a lawsuit against the person who caused the accident for pain and suffering of any injury.

Limited Right to Sue. Under this option you agree not to bring a law suit against the person who caused the accident for your pain and suffering unless you sustain a permanent injury based on objective evidence including:

  • A displaced fracture
  • Severe disfigurement and/or scarring
  • Permanent injury
  • Loss of body part
  • Loss of a fetus
  • Death

Both the Unlimited Right to Sue and Limited Right to Sue only cover lawsuits for pain and suffering. However, your economic losses relative to an auto accident are paid up to the limits of your personal injury protection (PIP) coverage regardless of which option you choose.

Talk to a NJ auto insurance law attorney today

If you have suffered losses in a motor vehicle accident contact the New Jersey car insurance lawyers at the Todd J. Leonard Law Firm online or call (973) 920-7900 and schedule a free consultation to discuss your case.

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