Under N.J.S.A. 39:6A-8(a), an insured who selects the Verbal Threshold (Limitation on Lawsuit) option may sue an at-fault driver for noneconomic damages only if the bodily injury falls within how many enumerated categories?

Why this is the answer

AICRA's Verbal Threshold under N.J.S.A. 39:6A-8(a) limits noneconomic recovery to insureds whose injuries fall into one of six categories: death, dismemberment, significant disfigurement or scarring, displaced fracture, loss of fetus, or permanent injury verified by objective medical evidence. Injuries outside these categories yield only economic losses.