If you have personal injury protection insurance, also known as PIP, on your own automobile policy, then you’ve bought a product. It’s an insurance product that you paid a price for. The wonderful thing about that coverage is it steps into the shoes of the other person, and it pays all of your bills up front so that you can get all of the care that you need up front. It’s a wonderful thing to have. It does not raise your premiums in order to be able to use that.The reason why you need that coverage is because the person who hit you doesn’t have to pay until the very, very end of your case, and if you can’t get the medical care you need up front, your case will be smaller and you won’t be healed. It’s really important to have that insurance, and there’s no shame in using it. It’s something you bought and it’s something you should use.