If PIP is waived or exhausted and no additional insurance exists, you will need to find treatment providers who are willing to defer payment of the bill, or accept a payment plan. One of the many benefits of working with an experienced and well respected personal injury attorney is we work with all levels of doctors who trust our work and are willing to accept a promise to pay from the proceeds of a settlement. This usually only applies to smaller offices, where the treatment provider is in control of daily operation. The facts of the claim need also be right to guarantee repayment.