My family and I was injured in car accident a month ago. The other driver was given a ticket and their insurance company has accepted liability. However, they have already begin harassing us with settlement offers and we are still under a doctors care. I have PIP insurance on my automobile. Can I use my pip to pay some the medical bills along with loss of wages.? When I settle with the 3rd party insurance, do they reimburse me for the medical bills I have covered? I'm really not sure how this works.