No, only in rare cases is the patient ever responsible for the cost of their treatment. The personal injury protection (or PIP) coverage in your insurance policy will cover your bill up to a certain limit depending on the policy. In most cases patients are released from care long before that limit is met. If the patient has hired legal representation we offer “on credit” care which does not hold the patient responsible for their treatment bills until their case has been settled. Using your medical coverage should not raise the premiums of your auto insurance. Our trained staff can answer any questions you may have regarding personal injury protection.