The 10/20/10 you listed sounds like your liability coverage limits. This would mean your insurance company will pay up to $10,000 for bodily injury for one person, $20,000 for bodily injury for more than one person per accident. Meaning the maximum coverage for one person injured is 10K, while if more people are injured in the accident the maximum paid for all injured parties is 20K.

The remaining 10 is the limit for property damage and stands for the $10,000 maximum coverage that the insurance company will pay out for property damage caused during one accident.

So if you were in an auto accident that injured one person your insurance limits would allow the person to be reimbursed for medical expenses up to your $10,000 limit. Pain and suffering can be part of the medical or bodily injury settlement with the insurance company, if the terms of your policy and state laws allow.

Compensation for pain and suffering is not available through certain types of insurance coverage or in certain states. If reimbursement for pain and suffering is allowed, and the person is going after the insurance company for it, they would usually only be able to do so for up to your limits, $10,000 for one person. If they instead are suing you personally, you would have to find out your state laws are regarding this type of lawsuit.