Auto insurance companies crying wolf that the number of lawsuits would increase after a New Jersey Supreme Court decided DiProspero v. Penn in 2005, which made it easier for accident victims to sue for pain and suffering. Prior to 2005, if you had limited your rights to sue under your own policy by choosing the Verbal Threshold or lawsuit threshold you had to prove that (1) your injuries fell into certain categories and (2) that the injuries had a significant impact on your life.
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