Does it matter if you make your health insurance your primary coverage on your auto policy?

"My car insurance company offered me the option to make my health insurance my primary coverage on my auto policy instead of having personal injury protection.

Is there any downside to this? Am I saving money? Would I need to still pay my health insurance deductible?"

“Personal injury protection (PIP) may be a type of insurance required by law, depending on your state. Whether you choose to make it your primary or secondary coverage depends on your health insurance.
If you have a good health insurance plan that will cover auto accidents, then you may not need PIP to be your primary coverage. If your health insurance does not provide coverage for auto accidents or has a high deductible, you’ll want to consider making PIP your primary coverage.
You’ll also still need to pay your health insurance deductible if your health insurance is your primary coverage. PIP often doesn’t have a deductible. As your primary coverage, PIP will cover your medical expenses, work loss, or even funeral expenses.
You could save money on your premium initially, but may owe more in the long run if your health insurance is your primary coverage. “
Emily Maracle
Answered on May 18, 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.

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