I was recently rear-ended by a limosine while stopped in traffic on I-94. My 1996 car is long paid-off with only PLPD coverage. The limo driver was at-fault. This driver who hit me may or may not have his cheauffers license as this was unclear at the scene. This limo company owns multiple cars. The police never showed up, but I have another week to file the accident report per the police department where it happened. I have witnesses who saw the accident, as well as the other car driver who also suffered minor damage. In addition to $5000 damage to my car (totalled, though it was worth more than this to me!), I have some physical injuries which resulted from my being slammed from behind and pushed into other traffic. Other than the $500 I am entitled to under mini-tort, I have been told that my personal health insurance is responsible for my coverage. This does not seem reasonable. Am I allowed to sue in small claims court or elsewehre for my physical injuries? What about the $4500 car damage not covered by mini-tort? Other than a small fracture, x-rays were inconclusive. I have a spinal strain plus seemingly soft-tissue damage and continued aches and pains. In addition to potential long-range health problems, I have already spent a few hundred dollars out of pocket on deductibles, medicine, etc. Plus my previously perfectly good car is totalled. This just does NOT seem right! Any advice is appreciated. Thank you in advance.