Is this true am I not able to claim loss wages n pain n suffering? She has full coverage which includes med pay property damage and bodily injury.
If you live in the same household, there is likely a "resident-relative" exclusion that prevents you from recovering from the liability coverage when your wife is at fault. Liability coverage includes medical bills, lost income and pain and suffering. However, medical payments coverage covers medical bills regardless of fault, and so that is probably why the insurance company is covering your medical expenses but not your other losses. If you were separated from your wife, that may be a different story and you should consult a pesonal injury attorney.
Make sure the insurance company puts that in writing. As a person who they insure and someone who pays premiums to you, they must treat you better than someone who they do not insure.
I have handled several cases for the insurance companies and now I help injured people stand up to them in situations such as yours.
Please call me to discuss this with a local attorney who knows the Central San Joaquin Valley.
Frank Nunes (559) 421-9465.