What is the difference between PIP and medical payments coverage?

"I was in an accident and want to go to urgent care. I live in New Jersey and have personal injury protection, but not medical payments coverage. I also have health insurance.

What does personal injury protection cover? Do I need medical payments coverage to have my urgent-care visit covered?"

Answer provided by
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Emily Maracle
Answered on May 18, 2021
“In New Jersey, personal injury protection (PIP) is necessary under the state’s minimum coverage car insurance requirements. When you’re injured in an accident, your PIP will act as your primary coverage.
Personal injury protection covers any medical bills, as well as lost wages or funeral expenses. It typically has a wider range of coverage than medical payment coverage.
If you had medical payments coverage on your policy, it would act as your primary coverage. Once you had exhausted your benefits, your health insurance would kick in.
Your PIP coverage should cover your medical bill from urgent care. You should reach out to your car insurance carrier first to confirm how you should submit your claim. They may require your urgent-care bill to go directly to them, or they may reimburse you after you submit a claim. “
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