When you purchase your own auto insurance, people often seek "Full Coverage" not knowing what they are purchasing. Insurance selection can be complicated and frustrating. Full coverage refers to the minimum coverage that you must have to legally operate you car. This may include collision coverage to repair damage to the vehicle. Full coverage may legally allow you onto the road, but it doesn't protect you if you are injured in an accident. You will be offered a selection of either Full or Limited Tort. This selection will determine whether you can recover for injuries when someone causes an accident which you are involved. Full Tort means full rights. Limited Tort gives you limited rights to legally pursue damages when you are injured in an accident that was someone else's fault. Limited Tort fees are cheaper than Full Tort, but you MAY NOT sue the driver who caused your injuries for the pain, suffering and loss of quality of life they caused, unless it is deemed that you had a serious impairment of body function. It is ALWAYS better to chose FULL TORT to proetect you and your family. Call us at Dethlefs Pykosh & Murphy if you would like to discuss your insurance coverages.