What insurance option allows the insured to recover for all damages resulting from injuries caused by other drivers?

The Full Tort Option is designed to provide the insured with the broadest coverage when it comes to recovering damages from injuries caused by other drivers. When an individual selects this option, they maintain the right to sue for pain and suffering, lost wages, and other non-economic damages that result from an automobile accident, regardless of the severity of the injuries. This means that if another driver is at fault, the insured can recover the full extent of their damages without any limitations imposed by a tort threshold or restrictions.

In contrast, the Limited Tort Option significantly restricts the insured's ability to recover for non-economic damages, as it typically requires the injured party to have suffered a "serious injury" to pursue such claims. Liability coverage, while essential for legal protection when responsible for damages to others, does not cover the insured's own injuries. No-Fault Coverage simplifies the claims process and allows individuals to seek compensation for their injuries from their own insurance, but like Limited Tort, it limits the potential for claims against the at-fault driver. Thus, the Full Tort Option provides the most comprehensive pathway for recovering all damages from other drivers.