I’ve had two car accidents that resulted in whiplash injury – neither of which were my fault. In the first, I chose to pursue it through the other driver’s insurance and that was a headache. In the second, I went through my insurance and figured I’d let them duke it out with the other in order to get reimbursed. However, in NJ, I have the option to let my personal health care coverage be responsible if I am in an accident which lowers my premiums. In both cases, everyone got paid – it was just a bigger hassle with the other person’s insurance than my own.