Types of New Jersey Auto Insurance Policies and Coverages
No Limitation On Lawsuit Policy (also known as the Zero Threshold policy):
Advantages:
- Provides the greatest level of security to you and your family members
- Permits claims for all NJ auto accident injuries, regardless of the nature or extent of the injuries
- Does not require a sworn statement from your doctor(s), certifying that the injuries are sufficient to satisfy the verbal threshold statute
- Is not subject to dismissal by a Judge, due to the nature or permanency of the injuries, before trial
- Eliminates the defense of a lack of permanency as a total bar to recovery.
Disadvantages:
- Costs more than the mini-policy and the limitation on lawsuit policy.
Back to Different Types of Policies (advantages and disadvantages)
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