As the attorneys above stated, there is no law that he/she must use their PIP before their medical insurance. I advise our clients to use their medical insurance first and foremost as their carriers will have negotiated prices with providers, unlike their PIP claim. They can then use their PIP to repay the carrier at a reduced price, therefore benefiting from the fact that they carry medical coverage while paying down (or eliminating) their medical lien. Your employer chiropractor may not...