First of all, start googling horses based on individual color patterns and you'll the range of expression that each gene shows. Chiilaa has a folder full of saved photos of examples of horses that don't follow the "rules" set forth by their gene. Like a pair of completely solid horses..homozygous for splash. Or these two are both frame positive:
Spice, owned by a forum member, only has a star.
And my own mare, who only has a white pastern other than her blaze:
Second, don't use the word "tovero." It's downright heresy. It's a word made up by the APHA for a color they couldn't be bothered to describe full out. Same with overo. Overo consists of frame, splash, and sabino, all of which act differently, but they just use it in the sense of "anything that isn't tobiano." Tovero is used for tobiano + 1 or more overo gene.
She's just overo. I would guess frame and splash, maybe sabino the way the black is still covering the eyes. Just because her sire was tobiano plus some overo gene(s) doesn't mean she necessarily inherited it. Unless a parent is homozygous, the offspring only has a 50% chance of inheritance for each gene. She would also be bald faced. Bald faced just refers to anything wider than the average blaze to an entirely white head.
And none of us have taken genetics classes really, at least not specific equine genetic classes to my knowledge. I haven't. I'm a junior equine science major (though really a freshman in my actual major due to major change) and have already proven to be more versed in color genetics than a couple of the department professors. We have just done a lot of reading and research.