“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.