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Someone can correct me if I'm wrong, but that's how I understood the full vs limited tort option.
Just an example, James and I were in an accident 6 weeks ago. I just suffer from whiplash, James has herniated disks. I won't be able to sue for my injury, or I will most likely not get anything from it if I try. James will most likely get money for his injuries, as they are severe and pretty permanent. From what I was told, since we have limited tort, we can really only sue for disfigurement, dismemberment, death, or permanent injury...and there is a lot of proof necessary to determine permanent injury.
But it's really up to you, if you want to spend the extra money on the chance you may need to sue. Or save your money now.
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