If your injuries are severe enough, you should be able to sue the at-fault party regardless of what your policy says. Car insurance policies have a “full tort” or a “limited tort” option. If your policy is full tort, you can sue the at-fault party for compensation. Limited tort policies only allow you to sue the at-fault party for compensation for medical expenses. However, if the truck accident caused death or permanent, severe injuries, this limit does not apply, and you should be able to sue for non-tangible compensation, such as pain and suffering.