Transcript:
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Most New Jersey automobile policies contain what is referred to as the limitation on lawsuit option that limits a person’s ability to sue for personal injury. If you have that provision in your policy, you need to prove death, disfigurement, dismemberment, loss of fetus, displaced fracture, or that you’ve suffered a permanent injury to pursue a personal injury claim. Most claims proceed under the permanent injury portion of the statute. In order to establish a permanent injury, you need objective medical evidence such as
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an MRI or a CT scan to establish the permanent injury. You can pursue a claim if you have this provision in your policy. It’s just more difficult.
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