“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 “limitation on lawsuit.” You’ve never heard of it before, but you’re told that it means you cannot get compensation for your injuries 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 & McPherson, our attorneys have more than 100 years of experience handling car accident cases in Monmouth, Ocean and Hudson Counties 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 choose it, and your costs go down. Unfortunately, you lose your right to recover the money you deserve. 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 turn them down. We don’t.
Even if you have already seen another lawyer who 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 personal injury accident cases, you are only required to pay attorney’s fees if we are successful in getting you compensation for your injuries.
Do Not Wait To Schedule Your Free Consultation
Call us at 732-663-1920 or send us an email to schedule a consultation with one of our experienced lawyers. Our multilingual staff speaks both Spanish and English, so you can communicate how you feel comfortable.