This means that for a lower premium you are giving of your right to pursue a claim for pain and suffering unless you can prove that you have sustained a permanent injury that cannot be corrected, and substantially interferes with a bodily function. Typically, the other person’s insurance company hires an orthopedist, a neurologist and a radiologist who examine hundreds of people a year and have testified in court repeatedly and invariably say that your exam is normal or your tests show desiccation of discs and degeneration caused by pre-existing conditions. When the case is tried, the jury is asked to decide whether you have a permanent injury. If the jury answers no, then your case is lost. The Lawsuit Limitation is not good to have on your policy, but taking if off the policy can be expensive. Find out how much and decide.