I believe that the $100,000 you are referring to is the amount of bodily injury liability coverage you have. Bodily injury liability provides coverage for the insured person who is legally liable because of injury resulting from the ownership, maintenance or use of the insured car. In other words, this amount of coverage is for the injuries you cause to the other party, not yourself. Some states have 'personal injury protection' which would provide coverage for the named insured (yourself). You should check with your claims adjuster to see what benefits you are entitled to under your insurance policy. As a last resort, you may consider contacting an attorney to determine if you are entitled to any other benefits not offered by the claims adjuster.

Our web site provides resources for you to check the insurance requirements for your state.

You can comparison shop your car insurance policy here by getting a car insurance quote.