Most PIP policies have $10,000, $15,000 or $35,000 limits. In serious injury cases, those limits can be exhausted quickly (if there is a hospital stay, surgery, or detailed testing), or over time (if injuries do not resolve as expected). I recommend that you understand your PIP limits, and pay attention to your total bills. A common scenario is for doctors, chiropractors, massage therapists, etc., to administer conservative treatment while billing PIP to the max; and if the injury does not resolve, you get a referral for an MRI or specialist, with no more insurance money to pay the bill. Even if you do have a good understanding of your bills and limits, PIP may be exhausted. If this is the case, your health insurance would be the next resource. Health insurance is more restrictive than PIP, and often times you will have some out of pocket expenses, but it’s a valuable tool to receive the proper care.