[gthtjtkt]

I think most people have the same thought as you: They don't see how an agreement with their own insurer could stop them from suing someone else (or their insurer), but that's how Limited Tort works. You sign away your right to sue someone else if they injure you in an accident unless those injuries are extremely severe (loss of limb, death, permanent disability, etc.).

You can look up info on "piercing the tort threshold" if you're curious about specific injuries that are severe enough.