It is wild, what state you are in.
But it looks a little, you’re in Pennsylvania. If this is the case, with “full tort”, yes, you claim under your policy for medical expenses and lost wages at first, and you can sue the other guy out of the pain and suffering (not a reward, though).
But even if you were limited wrong if you had a serious injury, such as brain damage or paralysis, you can sue for pain and suffering.
The crux of the tort is limited to frivolous claims do not and you can look for violations of the soft tissues (oh Sue, my neck hurts, oh limit, my back hurts), so that nothing is broken or very badly in Always exchange for cheaper insurance.