Is Your Car Insurance Limiting Your Right to Sue?

Purchasing car insurance can be overwhelming if you do not know all the questions to ask. Some insurance policies could leave you without the grounds to sue if you have been injured in an automobile accident.

There are many types of coverage for different scenarios:

• Personal Injury Protection (PIP) deals with coverage of medical expenses if you are to be in an accident. 
• Bodily Injury deals with the monetary amount an individual could recover if you find yourself on the defense side of a lawsuit. 
• There’s also coverage which deals with Limitations on Lawsuits, more commonly known as the Verbal Threshold. This is the type of coverage that severely limits your ability to enter into a lawsuit for damages caused by an automobile accident. (It is important to note that no threshold allows you to sue for any type of injury.)

If you happen to have Verbal Threshold coverage and find yourself in an automobile accident, in order to sue for damages, your injuries must fall under one of the following six categories:

1. Death, your estate can sue on your behalf
2. Dismemberment, loss of a body part
3. Loss of a pregnancy 
4. Significant scarring or disfigurement 
5. Displaced fracture, which means the bone has broken completely in half
6. Permanent injury within a reasonable degree of medical probability

The best case scenario, in order to keep your right to sue, is to not choose this type of coverage. However, if you do have this type of coverage many lawyers, including the ones here at the Levine Law Firm, can help you determine if you have grounds to sue. 

Permanent injuries can come in many shapes and sizes and you may not even realize you have grounds to sue if you have been injured in an automobile accident. We can help you no matter what type of insurance coverage you have.