Verbal Threshold vs. No Threshold

People call me and ask, what is the Verbal Threshold? It’s a term that is very confusing to most people. The verbal threshold sets forth circumstances under which you can file a claim if you’ve been injured in the accident, even if the accident wasn’t your fault. The verbal threshold means that your injuries must be the kinds of injuries that can be described in the words that is set forth in the law. That means the loss of a body part, significant scaring, a fracture or a permanent injury. A permanent injury define is the loss of use of a body function. So, all the verbal threshold means is, is that you can file a lawsuit if your injuries fits the categories set forth in the statute, which means basically a fracture or a permanent injury. No-threshold would simply mean that there is no limitation on your right to sue, regardless of what kind of injury you sustained; you have a right to file a claim for your personal injuries.