Can I reduce my PIP coverage in New Jersey if I have good health insurance?

I have great health-care and employer benefits. Can I make my PIP coverage secondary to save some money? Would it cover my health-care deductible?

Answer provided by
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Emily Maracle
Answered on May 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“New Jersey is one of the few states that allows you to make your personal injury protection (PIP) coverage secondary to your health insurance. Before making a decision, you should look at your options.
You should first confirm that your health insurance will allow you to make your PIP coverage secondary. Most companies require that your PIP pay out first before health insurance kicks in.
With health insurance as your primary coverage, you’d be responsible for your deductibles and copays. One benefit of having PIP as your primary coverage is that it can reduce out-of-pocket costs as the coverage is available immediately to pay for expenses.
You’ll also want to look at your employer benefits to determine what they cover with regards to car accidents. PIP provides coverage for a variety of situations, including work loss and funeral benefits. “
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