The short answer is, yes. Insurance adjusters often mislead accident victims into believing the at-fault driver’s insurance company will pay the medical bills. Yet, the liability insurance carrier for the at-fault driver will typically want you to release your claims before paying money. The liability insurer for the at-fault driver will only want to pay a one-time settlement of your claims.
If you have health insurance or health coverage, let your health coverage provider pay the bills. Your health carrier will have rights to be paid back out of any settlement. However, this will enable you to obtain needed medical care without dealing with bill collectors or liens against you. And, a good personal injury lawyer can often help you with these issues. You may also have separate coverage called medical payments coverage on your auto policy which pays specific charges.