When plaintiffs in New Jersey are injured in an automobile accident, they are most often subject to either the verbal threshold (limitation on lawsuit) or the zero threshold (no limitation on lawsuit) depending on their insurance policy. The verbal threshold election was instituted to reduce insurance premiums by limiting the noneconomic damages insured motorists can sue for if they are involved in an automobile accident. DiProspero v. Penn, 183 N.J. 477, 480 (2005). When plaintiffs are bound by the verbal threshold and seek recovery for noneconomic damages, their personal injury must be one of the six types of statutorily enumerated injuries:
(1) death;
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