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Do You Want an Unlimited Right to Sue?
For the Standard Policy, you must make a choice about the rights you will have if you are injured in an automobile accident. The Basic Policy only includes the Limited Right to Sue option.
You have an important decision to make regarding the Right to Sue
The choice you make affects how much your insurance will cost and what claims will be paid in the event of an accident.
The choice you make regarding your right to sue another driver applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy.
The Unlimited Right to Sue and Limited Right to Sue options (see page 9) only cover lawsuits for “pain and suffering” or noneconomic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here.
WARNING
Insurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information.
Remember...
Choosing the Limited Right to Sue option will save you money, but will limit your right to sue the person who caused an auto accident for pain and suffering