I was in an auto accident and sustained serious injuries in MA. I was a passenger. The auto insurance co. for the driver is claiming that their client (driver) does not have cover passengers. I did get a copy of his policy and the contract details do state that guests shall not be covered by this policy. Does this sound right? Does this mean I cannot sue his insurance company for pain/suffering? I understand PIP coverage is up to 8k, but I'm talking more about over and above this amount for pain and suffering.