Yes, you can treat with your own doctor and your own healthcare providers. However, there is one exception. Many insurance companies will now be allowed to have their own system, kind of like an HMO. They will have their own medical providers that they pick, and in exchange for a discount that they’ll offer, you will be required to treat with insurance company doctors who will manage your care. These doctors are employed by the insurance companies, and are not exactly working for you as your own chosen doctor does.
We highly recommend that you stay with or pick your own doctors. Trusting your medical care to an auto insurance company is not in your best interests.
