Verbal Threshold in Car Accidents

"My Insurance Company Says I Can't Get Compensation"

You've been in a car accident. You've contacted your insurance company, only to find out that you have something on your policy called the verbal threshold, or the lawsuit threshold. You've never heard of it before, but you're told that it means you cannot get compensation for medical bills because your injury is not severe enough.

Do not give up. You may still be able to pursue compensation. We can help.

At the law firm of Escandon, Fernicola, Anderson & Covelli, our attorneys have more than 20 years of experience handling car accident cases in Monmouth County and the surrounding parts of New Jersey. Our experience means that we know how to overcome the challenges presented by the verbal threshold. We may be able to help you get compensation.

What the Verbal Threshold Is and Why You Have It

The bottom line is that the verbal threshold is one more way for insurance companies to make money and limit the amount that is paid out for injuries. Essentially, your right to sue under the policy for pain and suffering is curtailed unless your injury is one defined by statute (i.e. death, significant scarring or disfigurement, displaced fractures or other permanent injuries). Compensation for soft tissue injuries can be severely limited, unless you have an attorney who understands how to move past the verbal threshold.

Most people have no idea that they agreed to this on their insurance policy, so you are not alone. Often, it is not thoroughly explained. If you don't select it, your premiums may be much higher. You select it, and your costs go down. Unfortunately, you lose your right to recover money you are entitled to. You lose the reason why you got insurance in the first place.

We Actively Pursue Cases That Other Law Firms Turn Down

It is no secret that car accident cases involving the verbal threshold are challenging. Many lawyers simply turn them down. We don't.

Even if you have already seen another lawyer and they have told you there is nothing that can be done, we encourage you to see us. We have devoted a significant amount of energy to developing strategies to get results in these cases. We may be able to put our strategies to work for you.

We Handle Cases on a Contingency Basis

In car accident cases, you are only required to pay attorney's fees if we are successful in getting you compensation for your injuries.

Free Consultations - Multilingual Staff - English and Spanish

Call us at 732-663-1920 or send us an e-mail to schedule a consultation with one of our experienced lawyers.