When purchasing an auto insurance policy in NJ, you can select the “limited” or “unlimited” right to sue option for accidents involving bodily injury. The unlimited right to sue allows you to sue for bodily injury without limitation if you are injured in an accident with another automobile. The limited right to sue, on the other hand, limits your ability to sue under certain circumstances in accidents involving automobiles. The unlimited right to sue option typically costs more, however, as mentioned, it does not create a legal barrier to lawsuits for bodily injury.