Legal Question in Personal Injury in Texas

You are entitled to receive compensation for whatever losses you have experienced. That may include property damage to your vehicle, loss of use of your vehicle, diminished value of the vehicle, existing medical bills, future medical bills, past and future pain and suffering, disfigurement, loss of use of your body, present and future lost wages, and possibly other losses you have experienced.

My guess here is that the insurance company is telling you that is the maximum you can receive. That is either because that is what they are telling you is the upper limit of what they think your injuries are worth or, more likely, that is the maximum amount of personal injury coverage the person who struck you has on their vehicle. If you were to sue the other driver and won, the insurance company would pay the maximum $30,000 and then you would have to try to get the rest of the jury award somewhere else.

Your uninsured/underinsured coverage may be available to stack on top of the other driver's insurance and extend insurance coverage for your injuries. Discussing your case with a personal injury attorney would be a good idea. Most likely you can stack insurance policies but you need to first talk to a lawyer who can review your claims and figure out what would be a fair number to obtain on your injuries. Most people do not ask for everything they are entitled to receive, which automatically gives the insurance companies a win.