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If you buy auto insurance to protect your family and yourself, you must buy Full Tort.
Full Tort
Full Tort protects you and your family against everyone in the world's negligence in an auto accident- you or your family may be in, but Limited Tort does not give you or your family this critical protection.
Limited Tort
Limited Tort protects everyone else in the world against your or your family's (depending on who is covered under your policy) negligence in an auto accident.