The other party would be suing Gerritt, not his insurance company. But since the insurance company is the one that will be paying out if the suit is successful, they run the defense.
When No-fault was first introduced, you had to meet a threshold for injury severity before you were able to sue, and one of those conditions was that the injury had to be "physical" in nature. The "physical" part was taken out of the threshold, and as a result, there are a lot more suits claiming mental and emotional injury now.