New Jersey Personal Injury Lawyers:
Compensation for Pain and Suffering
If you survived an auto accident, you may be entitled not only to compensation for medical expenses and property damage, but for your physical and emotional pain and suffering. You can only recover damages for pain and suffering by filing a lawsuit against the driver or other party that caused your injury.
New Jersey verbal threshold basic policy provision
New Jersey basic auto insurance policies often include a limited tort option, also called "limitation on lawsuit," "zero threshold" and "verbal threshold" that lowers the cost of a policy. The limited tort option prevents policyholders from bringing lawsuits for pain and suffering against those who cause car accidents. However, if your lawyer proves that you have suffered a permanent injury or loss of function you can still collect damages.
Commercial, motorcycle, and out-of-state insurance
The verbal threshold only applies to no-fault auto insurance claims. There are many situations where it does not apply, such as commercial insurance policies or policies written in a state other than New Jersey. A motorcycle rider is never limited by the verbal threshold on the rider's automobile insurance policy.
Injuries leading to damages for pain and suffering
A wide range of injuries result in permanent damage and pain. The key to recovering damages is assembling the necessary medical documentation and presenting a strong case at trial. Attorneys at our Red Bank firm, The Law Offices of John F. Marshall, have recovered benefits for clients suffering from injuries such as the following:
- Spinal cord injuries, herniated discs (slipped discs), and other back and neck injuries
- Closed head injuries and traumatic brain injury (TBI) (These are particularly difficult cases, since subtle brain damage must be documented through an analysis of clinical symptoms, rather than a diagnostic test such as an EMG or MRI.)
- Reflex Sympathetic Dystrophy Syndrome (RSD) — also known as Complex Regional Pain Syndrome (CRPS) — a condition causing severe burning pain
- Shoulder, knee, hip, ankle, and other joint fractures
- Torn labrum, torn rotator cuff, torn meniscus, or other soft tissue injury requiring extended medical or chiropractic treatment
- Chronic pain requiring pain management treatments such as acupuncture and epidural injections
- Cases where our clients actually needed further surgery, and the insurance company was only willing to pay for physical therapy and pain management
Free consultation — have our attorney evaluate your claim
If you or a member of your family was injured in a car wreck, or another type of motor vehicle accident, it is important to have a lawyer with experience in similar cases review your claim. Protect your right to recover full compensation for your loss. Call 1-877-450-8301 or e-mail our Red Bank office to arrange a free consultation with an experienced car accident attorney.
Se habla español. At The John F. Marshall Law Offices in Red Bank, our personal injury lawyers represent clients from Newark, Ocean City, Jersey City, and other communities throughout New Jersey.
