What does it mean when personal injury protection is primary coverage?

Is it better to have PIP as secondary coverage? My car insurance is asking about my health insurance. It's giving me an option to make it secondary coverage, but I'm not sure what that means.

Answer
“Depending on where you live, you may have the option to make the personal injury protection (PIP) on your car insurance policy either primary or secondary.
When PIP is primary coverage, it provides coverage first when you’re injured in an accident. Even if you have health insurance, your PIP coverage would cover your medical expenses until your limit is exhausted. If you had any remaining costs after that, your health insurance would cover whatever’s left.
When your health insurance is primary, the reverse is true. Your health insurance would cover any costs relating to your injuries. Once your health benefits are exhausted, your PIP coverage would apply.
Before deciding whether to make your PIP benefits primary or secondary, you’ll want to review your health insurance plan. If you have limits on coverage or high deductibles, you may benefit from having PIP as your primary coverage.”
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Emily Maracle
Answered on Jul 07, 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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