PLNJmedium
How does the No-Limit (Zero Threshold) tort option under N.J.S.A. 39:6A-8(b) differ from the Verbal Threshold for a New Jersey personal auto insured?
ANo-Limit eliminates PIP coverage in exchange for higher BI limits, leaving the insured without any first-party medical expense protection under the auto policy
BNo-Limit restricts the insured to economic damages only, barring all claims for pain and suffering regardless of injury severity
No-Limit preserves the insured's right to sue for noneconomic damages without satisfying the six 8(a) injury categories, typically at higher premium
DNo-Limit is available only to PAIP-assigned drivers
Why this is the answer
N.J.S.A. 39:6A-8(b) lets an insured elect the No-Limit tort option, retaining full tort rights to sue for pain and suffering regardless of injury type. The trade-off is significantly higher premium than the Verbal Threshold under 8(a). The election binds the named insured, resident relatives, and most occupants.
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