While we try to settle your case as quickly as possible, it is important not to be in too much of a hurry. If you were seriously injured, we need to wait until your doctors pronounce you medically stationary or until we have a very good idea of what your total medical expenses and other costs will be now and into the future. We prepare every case from the start as though it is going to trial, and it is not uncommon for the insurance company to wait until the last minute to settle the case for an appropriate amount. Meanwhile, many of your medical bills may be covered through your Personal Injury Protection (PIP), or no-fault, insurance. You may also have Medical Payments (Med Pay) coverage on your policy, as well as health insurance to cover the costs. If you cannot work, you may be eligible for disability benefits as well. Also, we can help you work out a payment plan with your doctor if necessary. Many doctors will not hassle you for your bill if they know you cannot presently pay but are seeking compensation from a negligent party.