According to the benefits of the coverage types discussed, which one is a key feature of Tort insurance?

A key feature of Tort insurance is the ability to sue for pain and suffering. This type of coverage is rooted in the principle that individuals have the right to seek compensation for damages they incur as a result of another party's negligence. Under Tort insurance, if a person is injured in an accident due to someone else's fault, they are entitled to pursue legal action against the responsible party to recover damages that include not only economic losses, such as medical expenses and lost wages, but also non-economic damages, which encompass pain and suffering experienced as a result of the injury.

This aspect of Tort insurance encourages accountability, allowing victims of accidents to seek justice and appropriate compensation for their suffering. It is fundamentally different from no-fault insurance systems, where individuals typically cannot sue for pain and suffering unless specific thresholds are met.

In contrast, other options mentioned do not directly relate to the defining characteristics of Tort insurance. For instance, disability benefits generally pertain more to specific insurance policies without considering fault, while collecting from private medical insurance relates to how medical expenses are handled rather than the liability aspect that Tort insurance addresses. Higher settlement limits may apply in certain instances, but they are not exclusively tied to Tort insurance. The unique ability to sue for pain and suffering distinctly highlights the