Your car insurance plan gives you the option between choosing “limited” or “full” tort.
Limited Tort means that you waive your right to sue for pain and suffering in exchange for lower premiums. You still have the ability to seek compensation for things like your lost wages and medical bills. However, you can’t sue for the emotional and mental costs of your injury. There are exceptions to this limit in the case of serious or permanent bodily injury.
Full Tort means that you do not waive any rights to compensation. Unfortunately, most insurance companies charge you more for this option.