The main reason to file a personal injury claim is to help ensure that you receive maximum compensation for your injuries, including non-economic damages
like loss of consortium and mental anguish, as well as the percentage of income you aren't able to collect through workers comp.
Generally speaking, aside from very specific types
of cases involving contracts, or specific types
of statutory relief, a Plaintiff typically includes counts for things
like NIED (negligent infliction
of emotional distress), pain and suffering,
loss of consortium,
loss of future earning capacity — these are a few
of the types
of counts whereby there is no specific value a defendant could ever point to being «fully satisfied» — the reason being, a jury needs to determine the legitimate value
of these claims unless the Plaintiff accepts a settlement award whereby he / she / it feels as if it's fully satisfied.
Limited tort coverage means if you are involved in an accident, you will be entitled to compensation for medical bills, lost wages, property damages, and other out
of pocket expenses, but you will not be able to sue for non-fiscal damages
like pain and suffering and
loss of consortium.