When drivers choose their car insurance policy in New Jersey, one of the most important decisions they will make is the choice between the “limited right to sue”, or an “unlimited right to sue”.

While unlimited policies will certainly cost more, they may be preferable due to how injury compensation works when it comes to car accident injuries in New Jersey, and here’s why:

Car Accident Injury Compensation, New Brunswick Car Accident Lawyers

When a person is injured in a car accident, it is their own insurance policy, and not the policy of the other driver, which covers their damages like medical expenses and lost income. However, those policies have a limit, and many people choose the $15,000 minimum coverage for their car insurance policies.

Considering the rising cost of health care, this $15,000 may not go very far, and when this is the case, it may be necessary to recover compensation for your damages from the other driver’s insurance policy. This is where unlimited right to sue or a limited right to sue comes into play.

Limited Right to Sue versus Unlimited Right to Sue, Lawrence Car Accident Injury Attorneys

When an injured driver’s own coverage is insufficient for compensating their medical expenses and lost income, they may instead need to file a car accident injury claim with the other driver. However, if the injured driver selected a limited right to sue insurance policy, they can only file such an injury claim in the case of:

  • Disfigurement or Serious Scarring
  • Permanent Disability
  • Loss of a fetus
  • Death

This means that for things like spinal cord injuries, which may not necessarily be permanent injuries but can certainly result in severe short-medium term damages, the injured driver most likely will not be able to recover compensation for these injuries.

On the other hand, if the injured driver has selected an unlimited right to sue policy, they can file a car accident injury claim for any damages beyond what their own insurance policy covers.

Contact Our Mercer County Car Accident Injury Attorneys Today

So while the insurance company may present the limited right to sue option as a way for you to save money, the fact of the matter is that it is an extreme risk to choose this option. With that being said, any time you are injured in a car accident, truck accident, or a motorcycle accident, one of the most important things you can do is to speak with an experienced injury attorney in order to gain a better understanding of how your insurance policy may affect your ability to recover compensation for your damages, and ultimately help you to secure the compensation you need and deserve.

At The Law Office of Cohen & Riechelson, our attorneys have extensive experience helping clients injured in car accidents, bus and train accidents, truck accidents, and motorcycle accidents to recover full and fair compensation for their injuries in towns across New Jersey and Mercer County, including Princeton, Lawrence, New Brunswick, Hamilton, and Trenton.

To speak with our legal team today in a free and confidential consultation regarding your car accident, your options for recovering compensation, and how exactly we can help you to do so, please contact us online, or through our Hamilton, NJ office at (609) 528-2596.