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Jay talks about tort threshold or verbal threshold on your car insurance policy.

You may see something in your car insurance policy called tort threshold or verbal threshold. What this means is if a person recovers money in a personal injury claim from a car accident you have to have a permanent injury. A permanent injury is sustained medical treatment and diagnostic testing, usually in the form of an MRI, an X-ray or CAT scan. A treating physician will render an opinion that your injury is permanent in nature within the standards that are defined by the law.

Matt talks about being hurt on the job and the importance of notifying your employer and contacting an attorney.

If you are hurt on the job, it’s important to notify your employer so they can document the incident for their files, and you need to document it for yourself. It’s important to meet with an attorney because you are entitled to three different types of benefits. First, you are entitled for your medical treatment to be paid by your employer with no out of pocket expenses to you. Second, if you are out of work for over a week, you are entitled to temporary disability benefits. Third, if you suffer a permanent or serious injury, you are entitled to be compensated for any permanent disability associated with those injuries.

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Phone: (732) 247-3600


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Somerville, NJ 08876

Phone: (908) 448-2560


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Freehold, NJ 07728

Phone: (732) 828-2234