You only full coverage with your insurance company if you have a full tort policy. A full tort policy gives you the right to make a claim for pain an suffering. You do not need to file a lawsuit to make that claim.
If you have limited tort policy it hampers your ability to make a claim for personal injuries for pain and suffering.
Even if you are in some else's care, a limited tort policy may prevent you from making a claim for injuries. A full tort policy may cost a little more, but, if you are ever injured, it is well worth the extra money.
I give it to you straight. If you have questions about anything in State College, call our law firm. The number is 814-237-6673.