Petrillo & Goldberg
Excels for our clients
Talk to an Attorney
Get a Free Case Evaluation
Close

What is the verbal threshold?

The verbal threshold stems from the New Jersey law establishing a no-fault insurance system, passed in 1988 and since amended, that restricts a motorist’s right to sue for injuries sustained in an accident in exchange for a lower insurance premium. When obtaining insurance, a motorist who selects the zero threshold option faces no limitation on seeking recovery for noneconomic damages — such as pain and suffering — from an auto accident. The premium for such coverage will be more expensive, though, which leads many people to opt for the less expensive, but more restrictive, verbal threshold option.

The consequences of selecting the verbal threshold option, however, can be costly should the insured become a victim in an auto accident. In that case, under the most recent amended law passed in 1998, as a plaintiff, the injured party would have to prove that a “verbal threshold” was reached through one of the following six circumstances in order to seek compensation for noneconomic damages:

  • 1) death;
  • 2) dismemberment;
  • 3) significant disfigurement or significant scarring;
  • 4) displaced fractures;
  • 5) loss of a fetus; or
  • 6) permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement.

Other Frequently Asked Questions

Call US AT 856.486.4343
TESTIMONIAL

I have dealt with other law firms, and there is no comparison. It is an honor to know you and I must say, that I have the highest regard for your integrity.

- Lance Zeaman

TRUST

Meet our Attorneys

The highly competent lawyers at Petrillo and Goldberg represent clients with personal injury claims, workers compensation claims, slip-and-fall cases and automobile accident victims. We work for you, and take our job of getting the best possible results for you seriously.

Scott M. Goldberg

PROFILE

Steven Petrillo

PROFILE

Scott D. Schulman

PROFILE

Jeff Thiel

PROFILE