What is the verbal threshold/lawsuit ?
A. The verbal threshold/lawsuit threshold restricts a injured person’s ability to bring a claim for damages as a result of a collision. A claim can be brought only if the injury comes within one of the categories defined by the statute. This restriction applies to all persons insured under your policy including your children. This differs from a no threshold lawsuit where a person can sue for any injury they sustain. If at all possible you should pay the extra premium and choose “no threshold”.