What exactly is covered under a settlement?

I was involved in an auto accident back in 2014. The other drive was cited on scene she hit me going about 70mph and totaled my car. She tired to fight the ticket and say I lost control but she took a plea deal with a lesser fine and plead guilty. Then her insurance company refused to pay out anything due to the fact she claimed I lost control of my car before the accident. She just recently lost that as well, as I was forced to claim through my own company in the mean time and they took the other company to arbitration where they were found 100 percent at fault. Now I have incurred several inconveniences due to this accident. I was taken by ambulance for minor muscle spasms but nothing that required additional follow up. But due to my insurance paying out for this accident they did make my parents sign a drive exclusion policy to where as I can not drive their cars anymore . would something like that fall under "pain and suffering" and be claimable in a settlement?