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New Jersey Auto Insurance Requirements



Your Legal Corner: 'No limitation on lawsuit' auto insurance

31.12.69

Today Your Legal Corner will provide information on the “No Limitation on Lawsuit” auto insurance option.

With our recent tragedies, it seems to me that we all know that not every day is going to be a good day. In fact, on some days we need just to find the will and the strength to get through them.

Getting what you want is neither always easy nor possible. In this instance, payment in advance is required simply to keep a right that should have been yours all along … the right to sue.

No Limitation on Lawsuit Insurance Policy

Under a no limitation on lawsuit policy, you are compensated for all your injuries should you become involved in an automobile accident. You will be compensated by the person who harmed you for your lost wages and for the pain and suffering of you and your family. Under this threshold, you retain your constitutional right to a jury trial if you are injured in a car accident.

NJ.S.A. 39:6A-8

As you may recall from last week, under the lawsuit limitation policy, one may sue only under the following circumstances when involved in a car accident: death, dismemberment, significant disfigurement or scarring, displaced fractures, loss of fetus or permanent injury. Permanent injury is defined as when a body part has not and will not heal to function normally with further treatment and confirmed by diagnostic testing.

Source: NJ.com

bNJ Auto Insurance/b Question – Three Drivers – Three Different Cars b.../b

I live with my parents who each drive their own car and both cars and drivers are listed on my dad’s policy. I financed a car and have my own insurance with a different company (a bit cheaper than theirs) and im looking to change my insurance company. One of my parents recently had their license suspended and when i called to another insurance company to get a quote they told me they couldn’t write the policy because of the other driver’s suspension. If the car is in my name and no one else drives it but me because they each have their own car and their own insurance, why wont the insurance company write the policy for me?

Best answer:

Answer by iwingameover You can have that driver excluded from your policy. All licensed drivers in a household are supposed to be listed on your policy. However some can be excluded and must not drive the car they are excluded from. Often this happens when parents have a fast/expensive car and teen drivers are at home. The teen can be exluded thus keeping the rates lower.

Add your own answer in the comments!

This happens because your parent is in your household and has ACCESS to your vehicle ((s)he does not need to have express permission to drive it because (s)he is a resident relative). Because this person is a resident relative, your company would have to by law cover him or her & also you (as the owner) in the event he used your car & had an accident.

Source: bNJ Auto Insurance/b Question – Three Drivers – Three Different Cars b.../b

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