Can't really help you there. I can't remember the last time I had sex, but I got really bad cramps on my right side then they shot across my belly. I've been scared to try again since. I have moments when I want to, just use other methods instead (sorry if TMI).
The only time I get that stinging sensation is if me and hubby haven't done it for awhile, I think all that friction has something to do with it (make sure you lubricate really well).

I'm sorry, this a very personal subject and what I just said made me giggle cause I would never say that to someone's face.