yes but not yours the other parties
It depends. Contact your insurance provider for clarification of the policy terms/limits.
A settlement is usually split into two parts, recovery of damages sustained, and pain/suffering (putative). For recovery of costs, the settlement is not taxed. For pain/suffering it is taxed.
Whether the drivers injures are covered under the insurance depends on the type of insurance carried. It also depends on if the wreck was their fault or not.
You can sue anyone you want, But you would lose in this circumstance. You would also be required to cover all the legal expenses and attorney fees for the entity you sued after you lose the case. Homeowners Insurance does not cover auto accident claims, that's what auto insurance is for.
Most pain clinics are covered by health insurances, however, the best way to be make sure is to call your insurance company. The insurance company can provide you a list of pain clinics that your insurance will cover.
Most of the coverage for uninsured is for pain and suffering so I would have it.
Insurance company is required to pay for actual damages. This means putting you back to where you were before the accident, not hitting the lottery to get something for nothing. There is no pain and suffering amounts.
State laws on the recovery of damages for pain and suffering vary greatly. In lieu of a lawsuit, I recommend mediation (I happen to be a certified mediator--doesn't work with insurance companies) or arbitration (which can be binding or non-binding). However, a lawsuit will likely be the only way you will be able to collect pain and suffering if you are battling an insurance company. A personal injury lawyer in your area can give a free consultation (see the yellow pages) and inform you of your state's laws on damages for pain and suffering, as well as any alternative dispute resolution forums in your area.
You can sue your insurance company for a higher amount but there is no guarantee that you will win. You will need to have proof and be convincing that you deserve more money for the pain and suffering.
You may receive a settlement for pain and suffering due to an auto accident for which you got a broken nose and whip lash. An attorney will have to represent you at a hearing.
No. Pain and suffering of yourself is not a liability, as this only covers damages to property that may be caused (e.g. to replace the tree you hit) or if someone else sues you for what happened. You would need a personal cover or health insurance.
California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident