“Generally there are three potential sources of recovery. First is your own auto insurance policy through your PIP coverage. Your PIP coverage is going to pay a percentage of your medical expenses, your prescriptions, your mileage to and from the doctor, and any potential lost wages that you may have. Your lawyer will assist you in reaching recovery from the at-fault insurance company for any outstanding medical bills, potential future medical expenses, as well as pain and suffering. You may have uninsured or underinsured motorist coverage on your policy as well. This will compensate you for anything over and above what the at-fault insurance company is unable to.”