Ok...lets start out with how old are you and are you married? Males are considered to be "youthful" until they are 29 or married. youthful=high prems.
Also, tort=lawsuit opt.
no limitation means you can pretty much sue for anything. as a result of an accident, u have a bruise on ur pinky; you have the right to sue for that.
limitation- you are limited to what u can use for, death, dismemberment, loss of a fetus, perminent scaring or disfigurement, displaced fracture. pretty much the serious stuff. i work for an insurance co, so i get to discuss this stuff all day
i personally have limitation, if i am injured and need med attention as a result of an accident i am covered under my p.i.p(personal injury protection) on my auto policy.