I was involved in an accident 3 w/uninsured driver does my UM bodily injury inc P&S?

I was involved in an accident w/an UI motorist. It has taken 3 weeks to receive this notification. I have been receiving treatment for a low back injury due to accident. I have UM Bodily Injury coverage at 100,000/300,000 but no PIP. My insurance company is trying to tell me that my UM Bodily Injury is to pay medical cost up to the specified amount and that PIP is the only way I could be compensated for pain and suffering. It has been determined that I was not at fault and I have lost sleep over the injury and the quality of my life is currently effected. Am I being railroaded to save them some money or are they telling me the truth. PIP only covers a maximum of $10,000.00 for injuries. This does not seem to make sense to me.