New Jersey Auto Insurance

Does that mean we can sue in a few cases, or does this mean that there are no limits to what can sue about?

(New Jersey auto insurance companies purposely this confusion, I can not really be sure which option is who.)

This means there is no limit to sue for pain and suffering in automobile accidents. Regardless of how minor (or imagined) are your injuries, you retain the right to sue the other guy in the accident, your injuries and your pain and suffering. (Think, says whiplash).

NJ has a verbal threshold - meaning, if you choose the cheapest cover, cover verbal threshold, and you're in a car accident caused by someone else, you can claim the other person if you have one of the following:

1 type - death
Type 2 - dismembering
Type 3 - significant disfigurement
Type 4 - a fracture
loss of Type 5 - a fetus
Type 6 - the permanent loss of use of an organ, member, function or system
Type 7 - permanent limitation in consequence of the use of an organ or a member
Type 8 - significant limitation of the use of a body function or system
Type 9 - medically determined injury or impairment of a nonpermanent nature which prevents the injured person to exercise almost all of the material acts which constitute such person's usual and customary daily activities for at least 90 days during 180 days immediately following the occurrence of the injury or disability.

The vast majority of injuries in automobile accidents are "soft tissue" injuries - whiplash, neck pain, muscle strains. If you want to be able to sue for pain and suffering, for these types of injuries, you must select the "no limit" option. It will cost you more.

This means that you are better to choose the "unlimited trial" option.
If you have not chosen they will be automatically set a threshold that limits your right to sue for injuries, pain and suffering.
So choose the threshold to zero because it is not expensive anyway.

Also check the box no limitation.