If your auto accident happened while you were on the job, then make a workers' compensation claim with your employer, but do not actually collect workers' compensation benefits until all of your auto insurance benefits are all used up, so long as you go to a workers' compensation doctor at least once per year, and so long as you file special papers seeking a Workers' Compensation injury settlement before the two year deadline expires (see a Workers' Compensation lawyer about these special papers). These steps preserve your right to receive Workers' Compensation benefits later after all of your "No-Fault" (P.I.P.) auto insurance is all used up first. But, do not actually use your workers' compensation benefits first (before using up all of your auto insurance), because then you will have to pay your workers' compensation benefits back later (see paragraph #67), and because you would lose your legal right to choose your own doctor, and because the repayment process itself will delay your receipt of any possible injury settlement money.