Yes, that is why you pay for your PIP insurance coverage.  Unfortunately, insurance companies do not always make it easy to recover the compensation that is rightfully yours.  The insurance company can challenge your right to compensation on any number of grounds—by claiming that you really sustained the injuries in another way, for example.  The insurer can also challenge the amount of compensation to which you are entitled and, in fact, will frequently try to convince you to accept a lowball settlement offer for your injuries.  It’s important to always remember that the car insurance company is not on your side even if you are dealing with your own carrier.