The Rule - Preserve your rights under your regular (non-auto) medical insurance or government medical benefits (such as Medicaid, Medicare or Workers' Compensation) by filing a timely claim, but as long as you have it available, use ONLY AUTO insurance to actually pay at least 80% of your medical bills and 60% of your lost wages.

This means, so long as you have available funds left in auto insurance coverage to pay (at least 80% of) your medical bills, do not use your regular (non-auto) medical insurance or government medical benefits (such as Medicaid, Medicare or Workers' Compensation) to pay any of your medical bills and lost wages (even if you incorrectly believe your regular (non-auto) medical insurance or similar government benefits would pay a larger percentage of your medical bills than auto insurance would ultimately pay). If you were hurt on the job, read paragraph #10.