What’s Wrong With the Verbal Threshold Option?
In our last article, we discussed the difference between verbal and zero thresholds. But this type of insurance option is not a nationwide law. And more important when you are choosing your automobile insurance, you should always choose the “no limitation” option, despite the cost. But why?
The lawsuit threshold can be a major obstacle to overcome when you are trying to receive any compensation for the injuries you may have sustained in a vehicle accident. In order to provide adequate proof that you deserve a monetary award for your injuries, you must have an objective medical finding from your doctor on your physical injuries which could include x-rays, CT-scans, myelograms, and MRIs. If you do not have the proper evidence than your lawsuit will be thrown out of court.
For example, you have chosen the verbal limitation option. You get into a car accident and injure your back. If your injury isn’t permanent or you are not limited by this injury, then you will be unable to sue or make a claim for an out-of-court settlement. The same can happen with your spouse or your children if they are injured, even if they weren’t the ones driving the car.
Have you gotten into an accident and are under the verbal threshold option? Contact us and we’ll help you get through this.