Not usually. In almost all cases, your health insurance company will need to begin paying bills when you begin treating. If Personal Injury Protection (PIP) is available, then your health insurance company will begin making payments once PIP is exhausted (for more information on PIP, see What is No Fault Insurance and PIP?)

If you do not have health insurance, then you will need the help of an attorney to find doctors and medical providers that will treat your injuries and who will postpone payment of medical bills until you receive a settlement. Otherwise, medical bills can pile up and cause great stress in your life.