![]() However, Medicare or Medicaid may provide coverage on a secondary basis, such as when the costs of your care exceed the PIP limits in your auto policy. You cannot select Medicare or Medicaid as your primary health insurer for auto accidents. Your automobile insurer will only pay for necessary expenses not covered by your health policy or plan. In addition, the coverage limits of your health policy or plan will also be in effect. The deductibles and co-payments of your health policy or plan will apply to treatment for injuries from auto accidents. If your primary and/or secondary health insurer provides coverage, what are the requirements for limits, deductibles, co-payments and pre-certification? Check with your health coverage provider to be sure it will cover injuries from automobile accidents.Ģ. Does your health coverage provider cover injuries fromĪ health coverage provider may be an insurance company, an HMO or some other type of benefit plan provided by an employer. This may yield premium savings, but you must ask yourself some questions before making this decision:ġ. Who gets the insurance check for my medical bills drivers#Most New Jersey drivers buy $250,000 worth of PIP, a higher amount than drivers typically purchase in other states. You may purchase both parts of PIP coverage or medical expense coverage only, depending upon your needs. PIP has two parts – (1) Medical expense coverage: Coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries and (2) Additional PIP coverage: Reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family. It is sometimes called “no-fault” coverage because it pays your own medical costs no matter who caused the accident. Personal Injury Protection (PIP) pays if you or other persons covered under your policy are injured in an auto accident. If an accident occurred, your health insurer would pay first, and your auto insurer would provide secondary coverage through Personal Injury Protection (PIP). Home > Consumer Information > Insurance Topics > Auto > Selecting Your Health Insurer for PIP Optionĭo you have health insurance? If so, you may be able to designate your health coverage provider (your health insurer) as your primary source of medical care should you be injured in an automobile accident. ![]()
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