Opting for full tort coverage on an auto insurance policy allows a motorist to retain unrestricted rights to bring a lawsuit against the negligent party in the event of an automobile accident. Limited tort coverage allows drivers to save on their premiums by waiving the right to recover certain damages, including payments for pain and suffering. Your preferred tort option follows you, and every member of your household, both as a driver and as a passenger, wherever you go. It is strongly advised that you examine your automobile insurance prior to renewing. If you have opted for limited tort coverage, consider contacting your insurance agent and requesting a change to full tort—for your sake, and the sake of your family.