Generally speaking, the motor vehicle insurance policy personal injury protection (PIP) provisions will cover the cost of any medical care which is reasonable, necessary and related to injuries arising out of your motor vehicle accident. Certainly, emergency room care, chiropractic treatment, physical therapy, orthopedic, neurologic or neurosurgical consultation and other specialist care is generally covered. Even the costs of prescription medication, crutches, neck collars, etc., are reimbursable under the insurance policy.