What You Need to Know About Verbal Thresholds

Verbal thresholds affect whether you are allowed to sue for permanent injuries, and how much you are allowed to sue for. Additionally, the threshold dictates the conditions under which permanent injury suits can be brought, defining a number of legitimate categories that qualify for the claim of permanent injury or loss. A verbal threshold is defined as:  Conditions described in the law books verbally such as death or significant disfigurement.

These are the primary reasons such a claim can be filed: Death, significant dismemberment, fractures, loss of a fetus, loss of internal organs, and the permanent loss or disfigurement of body parts that prevent the person from functioning in the manner they have been accustomed to. In such cases, it is necessary for the plaintiff to prove the loss, but it may not be required to prove that such is permanent, depending on the laws in the state where the accident occurred.

The verbal threshold is a solution reached by some courts, including the Supreme Courts of New York and New Jersey, specifically to define and control the costs associated with traumatic loss of bodily function. In some jurisdictions, the solution is not verbal thresholds, but a choice given to policy applicants that limits their rights to sue in exchange for paying lower insurance premiums.

When you use online insurance quotes, be sure to look into the system the insurance company uses to account for traumatic loss of bodily utility. You may find out that that some companies offer substantially lower rates by limiting your recourse in the event of such unfortunate circumstances. Whether you purchase insurance from a company via an online quote or not, make sure you understand all of the terms of the contract before you agree to it.