In N.J., there is a tort threshold when two private passenger automobiles are involved in an accident.  If your insurance policy contains what is commonly known as the "Lawsuit Limitation" or threshold, you may have given up the right to sue unless you have a permanent and significant injury with objective medical evidence of that injury; however, there are exceptions to this lawsuit limitation or "threshold."   For example, if you are involved in an auto accident with a commercial vehicle, the lawsuit limitation does not apply.  Commercial vehicles such as trucks and buses are not subject to the threshold.  Every case must be determined on an individual basis. 

In N.J. we have strict liability for dog bites.  That means if a dog bites you, the owner of that dog is responsible for your injuries and damages. 

In N.J. you can do both.  You have the right to file a workers' compensation claim  against your employer and also file separate claim against the party who caused your accident; however, the workers' compensation carrier will be entitled to get back 2/3 of the monies they paid for your benefits if you are successful against the 3rd party who caused your accident. 

N.J. law recognizes that there are different levels of duty that a property owners owe to a person on their property.  A business or commercial entity owes a high degree of care while the duty owed to a social guest (known also as a social invitee) or non-invitee is different.  Each case must be evaluated on an individual basis.