Look at the declarations sheet of your own auto insurance policy to see if you paid a premium for PIP (Personal Injury Protection) coverage. PIP promptly reimburses you for 100% of medical costs and 80% of lost wages, up to your PIP limits of $2,500, $5,000 or $10,000, regardless of fault. PIP will enable you to collect two dollars for each one dollar of medical expense you have, (up to your PIP limits) assuming you also collect from the defendant's liability insurer. The double recovery is legal and ethical because you paid the extra premium for your PIP coverage. If you're an occupant of someone else's car, that person's PIP will cover you. PIP coverages under separate applicable policies can be stacked. You do not need a lawyer to collect the PIP benefits. Most lawyers assist in collecting the PIP claim without charging a fee.