If your accident was prior to June 30, 2020, your auto insurance company is required to pay for all reasonably incurred medical expenses related to your accident. In other words, if your doctor relates your treatment to the accident, then your auto insurance company is required to pay the reasonably incurred expenses. However, for policies issued or renewed after July 1, 2020, the personal protection insurance (PIP) benefit coverage level you choose will determine how much, if any, of your medical expenses your auto insurance company will be required to pay.