I was involved in a accident in 2008. Other drivers fault and I will spare the details. This happened in Pennsylvania and with limited torts.

I injured my shoulder and had all tests and therapy done around October of 2008. Over the last year I thought everything was getting better till last night as I was putting my seat belt on it came back.

Now I never signed anything from any insurance company, and I didn't even have contact with either my insurance or the other parties insurance after my therapy was done.

Can this injury be treated with auto policy insurance again after over a year has passed? How can I protect myself from having to pay for this if it's going to continue bothering me for the rest of my life? I know I only have limited torts so no pain and suffering, but I really don't know how to handle this one.

Thanks in advance!