What does limited tort (in Pennsylvania) or verbal threshold (in New Jersey) mean?
If you have made this election, it means that you have paid lesser premiums, but in exchange you have forfeited some substantial rights. This means that with some limited exceptions, you are unable to recover for your pain and suffering. Whether you can recover for pain and suffering requires some analysis and will depend on such things as the extent of your injuries and/or the use of the other driver’s vehicle and/or in which state the other driver’s vehicle was registered. This is an issue that you will definitely need to discuss with your counsel. Also, be sure that you fully understand the implications of this selection when you obtain your own automobile insurance policy. The money that you save in the short term by selecting limited tort (in Pennsylvania) or verbal threshold (in New Jersey), may not be worth it when you cannot fully recover for your injuries.
