Verbal Tort

New Jersey Personal Injury Statute of Limitations: 2026 Window, Verbal vs Unlimited Tort Election, and Common Pitfalls

New Jersey's general personal-injury statute of limitations is two years under N.J.S.A. 2A:14-2. The traps: a 90-day notice under the New Jersey Tort Claims Act (N.J.S.A. 59:8-8), the modified 51% comparative-negligence bar, and the verbal-tort-vs-unlimited-tort election under N.J.S.A. 39:6A-8 that bars most pain-and-suffering claims for verbal-tort drivers.