Note: "Yes" indicates that recovery of pain and suffering damages is allowed. Dollar threshold means the amount of injury at which you can begin to sue for damages.

* In New Jersey, policyholders have the option to choose a standard policy (choice) or a basic policy (verbal). The standard policy allows you choose whether you want to sue for damages, regardless of the severity. The basic policy allows you to sue for pain and suffering if you are injured in one of the categories labeled "Yes" in the table above. The New Jersey definitions for "verbal" and "choice" apply to Michigan, New York, and North Dakota.

** Limited tort option: No recovery for noneconomic damages unless injuries are "serious" as set forth in the policy; in general, only coverage for medical and other out-of-pocket expenses. Full tort option: May recover for pain and suffering as a result of injuries caused by other driver(s) in addition to all medical and other out-of-pocket expenses.