What if I wasn't at fault? Shouldn't the other drivers insurance cover my care?
If you have PIP coverage then your insurance will pay for your care regardless of who was at fault. This will not cause your rates to increase. Your insurance company will recoup the costs from the insurance company of the driver at fault.
If you don't have PIP coverage then you have to reach a settlement with the insurance company of the driver at fault. It is important to consult with a lawyer as soon as possible if this is the case.