If you have regular (non-auto) medical insurance or similar governmental medical benefits, such as medicaid, medicare or workers' compensation, then skip the rest of this instruction (because it does not apply to you). But, if (like most of our clients) you do not have regular (non-auto) medical insurance or similar governmental medical benefits, then read this instruction carefully. Chances are you will only have $10,000.00 in available "No-Fault" (P.I.P.) auto insurance to pay your medical bills (and your wage loss). So, if you need surgery, you will need most (or all) of that money to pay for it. Beware. This money will be used up fast, and most surgeons and hospitals that are capable of doing your surgery will usually not agree to do it unless there is enough "No-Fault" (P.I.P.) auto insurance left to pay for it. So, if you need surgery and you do not have regular (non-auto) medical insurance (or similar medical governmental benefits), and if you go to a doctor now that does not do surgery, then your doctor could thoughtlessly use up most (or all) of the available "No-Fault" (P.I.P.) auto insurance, and leave you with no way to pay for the surgery you need. It is true that when your case finally settles, the insurance company on the other side usually pays those medical bills for medical care that you have already received which has not already been paid for by available "No-Fault" auto insurance. But, the insurance company on the other side will probably not agree to pay for future surgery that you have not already received (even if you prove the accident was the other side's fault, and even if you prove that the accident is the only reason you need the surgery). If you need surgery, but your doctor has already thoughtlessly used up all of the available "No-Fault" (P.I.P) auto insurance that you could have otherwise used to pay for your surgery, then you will be harmed in two ways. First, you will probably never be able to afford the future surgery that you need, because the insurance company on the other side will probably not agree to pay for surgery that you have not already had (even though they would probably pay for the same surgery if it had already been done, and even though a jury is permitted to award you the costs of future surgery if your case goes to trial). Second, when there is no surgery, it looks like you were not really hurt, so the other side will not offer you as much to settle your case as they would have offered you if you had undergone the surgery. (Where a client has undergone surgery, the settlement value of their case can increase by a factor of ten to forty times!) So, ask your doctor to tell you immediately if you will need surgery, while you still have some auto insurance left to pay for it. If your doctor tells you that you will need surgery, and your doctor does not do surgery, then immediately stop going to that doctor ( in order to save auto "no fault" (P.I.P) insurance money for your surgery), and then immediately go to see the surgeon that will actually do your surgery, and get it done immediately while there is still auto insurance left to pay for it.